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Features of the Federal Bank BPCL RuPay Credit Card

  • Reward Points Structure:

    3-2-1 Rewards Program
    The RuPay Select Credit Card offers a tiered 3-2-1 rewards structure, maximizing value based on spending categories. For every ₹200 spent, cardholders earn:

    • 3x rewards on fuel, travel, and international spends, ensuring higher returns for frequent travelers and commuters.
    • 2x rewards on dining and entertainment, ideal for those who enjoy dining out or movie outings.
    • 1x reward on all other retail spends, providing consistent rewards for everyday purchases like groceries and utilities.

    Each reward point is valued at approximately ₹0.25, and points can be redeemed via the Federal Bank rewards portal (www.federalrewards.in) for vouchers, merchandise, or fuel credits. Importantly, reward points do not expire, allowing cardholders to accumulate points over time without pressure.

Bank of Baroda Premier Credit Card
    • Core Card Features: The Federal Bank BPCL RuPay Credit Card is packed with features that enhance convenience and savings. Here’s a detailed look at what sets this card apart.
    • Complimentary Lounge Access: Travel enthusiasts will appreciate the complimentary airport lounge access offered by the Federal Bank BPCL RuPay Credit Card. Cardholders receive: One complimentary domestic lounge visit per quarter, ideal for frequent domestic travelers. Two complimentary international lounge visits per year, enhancing the travel experience at global airports. This feature is activated upon meeting specific spending thresholds, such as ₹10,000 monthly for domestic lounge access, making it accessible for regular card users.
    • Contactless Payment Technology: The card is equipped with contactless payment technology, enabling quick and secure transactions at NFC-enabled POS terminals. This feature is particularly convenient for small-ticket purchases at fuel stations, cafes, or retail stores, reducing transaction time and enhancing security through encrypted payments.
    • Low Annual Percentage Rate (APR): The Federal Bank BPCL RuPay Credit Card offers a dynamic APR ranging from 0.69% per month (8.28% per annum) to 3.75% per month (45% per annum), depending on the cardholder’s banking relationship with Federal Bank. This competitive interest rate structure makes it an affordable option for those who occasionally carry a balance, provided they maintain a strong relationship with the bank.
    • Lifetime Free Option: A key feature is that the card is lifetime free, with no joining fee or annual fee. This eliminates the burden of recurring costs, making it an attractive choice for cost-conscious consumers seeking a fuel credit card with premium benefits.
    • Visa Network Benefits: As a Visa credit card, the Federal Bank BPCL RuPay Credit Card provides access to a wide range of Visa offers and deals, including discounts on travel, dining, shopping, and entertainment. These offers are regularly updated on the Visa website, allowing cardholders to maximize savings across various categories.
    • Secure Transactions: The card comes with an embedded microchip for enhanced security, protecting against counterfeiting and fraudulent transactions. Cardholders are required to enter a PIN for POS transactions, adding an extra layer of authentication. For online transactions, 3D Secure verification ensures safety, making the card suitable for both offline and online purchases.
    • Add-On Cards: The card allows up to three add-on cards for family members above 18 years, sharing the primary cardholder’s credit limit. This feature is ideal for families looking to consolidate spending and earn rewards collectively, with no additional fees for add-on cards.
    • EMI Conversion: For high-value purchases, the card offers an EMI conversion facility for transactions above ₹2,500. This allows cardholders to spread payments over 3, 6, 12, or 24 months, making big-ticket purchases like electronics or travel bookings more manageable.
    • Technical Specifications: Card Type: Visa Credit Card
      Credit Limit: Determined based on income, credit score, and banking relationship.
      Cash Withdrawal Limit: Up to 40% of the credit limit, subject to a cash advance fee of 2.5% (minimum ₹500).
      Foreign Currency Markup Fee: 3.5% on international transactions, competitive for a card in this category.
      Minimum Repayment: 5% of the outstanding balance or ₹100, whichever is higher.
    • Why These Features Matter: The Federal Bank BPCL RuPay Credit Card is designed for individuals with diverse spending habits, particularly those who frequently refuel at HPCL pumps or travel domestically and internationally. The combination of fuel surcharge waivers, accelerated rewards, and lounge access makes it a versatile card for both everyday and lifestyle expenses. The lifetime free status and low APR further enhance its appeal, ensuring cardholders can enjoy premium features without ongoing costs.
Premier Card Benefits

Benefits of the Federal Bank BPCL RuPay Credit Card

  • Fuel Surcharge Waiver: The 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL petrol pumps is a significant benefit for frequent drivers. For example, a monthly fuel spend of ₹4,000 could save ₹40 per transaction, adding up to ₹480 annually if utilized monthly. This waiver is applied automatically when swiping the card at HPCL pumps, reducing the effective cost of fuel.
  • Accelerated Fuel Rewards: The card offers 3x reward points on fuel purchases at HPCL outlets, translating to a higher return on every rupee spent. For instance, spending ₹1,000 on fuel earns 30 reward points (valued at ₹7.50), which can be redeemed for fuel credits or other rewards. This benefit is particularly valuable for commuters or long-distance travelers who refuel regularly.
    • HP Pay App Integration: When using the HP Pay app for fuel transactions at BPCL pumps, cardholders can earn additional rewards, enhancing savings. The app also simplifies payments and provides transaction history, making it a convenient tool for managing fuel expenses.
    • Welcome and Onboarding Benefits: New cardholders receive an Amazon Pay e-Voucher worth ₹500 on spending ₹3,000 within the first 30 days. Additionally, spending ₹5,000 within 60 days unlocks 2,000 bonus reward points.
    • Lifestyle and Entertainment Benefits: Enjoy Buy One Get One (BOGO) free movie tickets at INOX theaters once per quarter (₹100 cap). Cardholders also earn 2X reward points on dining and enjoy up to 15% discounts.
    • Travel Benefits: Access to domestic lounges and international lounges (2 visits/year) enhances travel comfort. Lounge amenities include Wi-Fi, meals, and plush seating.
    • Financial Flexibility: Purchases above ₹2,500 can be converted to EMIs at interest rates from 1.5% per month, making it easier to manage big expenses like gadgets, travel, or home appliances.
    • No Annual Fee: The Federal Bank BPCL RuPay Credit Card comes with lifetime-free status, eliminating any joining or renewal fee. This makes it a cost-effective choice for those seeking a premium experience without ongoing costs.
    • Security and Convenience: Features like EMV chip and PIN authentication offer secure POS transactions, while 3D Secure adds safety for online purchases.
    • Fuel Benefits: Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at BPCL pumps. Reward points on fuel can be redeemed for fuel credits, making the card ideal for frequent commuters.
    • Digital Utility: UPI-enabled functionality lets cardholders link the card to apps for seamless payments. This makes daily purchases like groceries, coffee, and bills more convenient and rewarding.
    • Secured Option for New Users: Applicants with no or limited credit history can opt for a secured version of this card by opening a Fixed Deposit of at least ₹25,000, gaining access to all core benefits while building creditworthiness.
    • Low Financing Costs: The variable interest rate starting at 0.69% monthly ensures low-cost borrowing for responsible users who occasionally revolve balances.
    • Customized RuPay Offers: Cardholders get access to exclusive RuPay privileges on shopping, lifestyle, dining, and travel, curated through regular partner updates.
    • Concierge Services: 24/7 concierge support assists with reservations, event bookings, and more, elevating the lifestyle quotient for users who seek convenience.
    • Global Usability: Accepted at over 39.3 million retail outlets and 2 million ATMs worldwide, making it suitable for international use and cross-border shopping.
    • Family and Add-On Benefits: Issue up to three add-on cards to family members (18+), sharing benefits like cashback, rewards, and travel perks under one credit limit.
    • Health and Wellness Perks: While Federal Bank does not list exact features, similar cards often offer preventive health checkups, aligning with a wellness-conscious lifestyle.
    • Eco-Friendly Virtual Card: Opt for a virtual-only card version to reduce plastic use, perfect for online shopping and UPI-linked payments, encouraging sustainable habits.
    • App-Based Management Tools: Use the FedMobile app or FedNet platform for full card control—track transactions, redeem points, convert purchases to EMI, or apply for a limit increase.
    • Summary: The Federal Bank BPCL RuPay Credit Card is a powerful lifestyle tool combining fuel savings, travel privileges, EMI flexibility, and welcome benefits making it an ideal everyday credit companion.
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How to Apply for the Federal Bank BPCL RuPay Credit Card

  • Online Application via Federal Bank Website:
    • Visit Federal Bank’s official website and navigate to the ‘Credit Cards’ section.
    • Select the BPCL RuPay Credit Card and click ‘Apply Now’ to open the application form.
    • Fill in personal, employment, and financial details carefully.
    • Upload scanned copies of required documents (PDF/JPEG format, max 2MB).
    • Submit the form to receive an application ID for tracking.
  • Application via HP Pay App:
    • Log in to the HP Pay app using your registered mobile number.
    • Go to the ‘Credit Card’ section and select the Federal Bank BPCL RuPay Credit Card.
    • Enter your details and upload necessary documents digitally.
    • Submit and track the application within the app itself.
  • Branch-Based Application:
    • Visit a nearby Federal Bank branch and request the BPCL RuPay Credit Card form.
    • Fill out the form and submit self-attested copies of identity, address, and income documents.
    • Carry original documents for verification.
    • Branch staff will guide you through the application process.
  • Customer Care Assisted Application:
    • Call 8885545255 for guidance.
    • The bank representative will assist you with eligibility, documentation, and submission steps.
  • Eligibility Criteria:
    • Age: 21–65 years for primary cardholders; 18+ for add-on users.
    • Income: ₹3.6 lakh p.a. for salaried; ₹4.8 lakh p.a. for self-employed.
    • Credit Score: 750+ preferred.
    • Resident Indians and NRIs can apply with proper documentation.
  • Required Documents:
    • Identity Proof: Aadhaar, PAN, Passport, Voter ID, Driving License.
    • Address Proof: Utility bill, Aadhaar, Passport, Rental Agreement.
    • Income Proof:
      • Salaried: Last 3 months’ salary slips, Form 16, 3-month salary bank statement.
      • Self-Employed: ITR for 2 years, audited financials, 6-month bank statement.
    • Recent passport-size photos, HP Pay account details (if applicable).
  • Application Review and Approval:
    • Federal Bank reviews eligibility, credit history, and documentation.
    • Processing usually takes 7–10 working days.
    • Receive updates via email, SMS, or app notification.
  • Tracking Application Status:
    • Track via Federal Bank’s website using application ID or PAN/mobile.
    • Use the Federal Bank app or call customer care for updates.
  • Card Activation:
    • Activate via FedMobile, internet banking, or customer care helpline.
    • Set a secure PIN for ATM, POS, and UPI usage.
    • Link to HP Pay app to maximize fuel rewards.
  • Tips for a Successful Application:
    • Maintain a CIBIL score of 750+ for better approval chances.
    • Ensure document clarity and completeness before uploading.
    • Highlight your relationship with Federal Bank if you're an existing customer.

Eligibility Criteria for the Federal Bank BPCL RuPay Credit Card

  • Age Requirements:
    • Unsecured Card: Applicants must be between 21 and 65 years old.
    • Secured Card: Minimum age is 18 years; maximum is 70 years (may be extended for NRIs and HNIs).
    • Add-On Cardholders: Must be at least 18 years old and related to the primary cardholder.
  • Income Requirements:
    • Salaried: Minimum monthly income of ₹25,000 required.
    • Self-Employed: Annual income of at least ₹3 lakh, supported by ITR and financial documents.
    • Premium Applicants: Higher income levels (₹5 lakh+) may be required for enhanced credit limits.
  • Employment Status:
    • Salaried: Minimum 1 year of continuous employment with the current employer preferred.
    • Self-Employed: Business should be operational for at least 2 years with valid proof.
  • Residency and Nationality:
    • Available for Indian residents with a verifiable address in a Federal Bank serviceable location.
    • NRIs eligible if they hold an NRE/NRO account and provide valid Indian documentation.
  • Location Eligibility:
    • Applicants must reside in an area serviced by Federal Bank.
    • Rural or blacklisted zones may not be eligible unless alternate address is provided.
  • Credit Profile:
    • Credit Score: A score of 750+ preferred for unsecured card approval.
    • Credit History: Clean history with no defaults or missed payments over the last 12–24 months.
    • Low Credit Utilization: Below 30% is ideal to reflect responsible credit use.
  • Secured Card Option:
    • Available for applicants with low or no credit score.
    • Requires an FD of at least ₹25,000 with a 6-month minimum tenure.
  • Additional Considerations:
    • Pre-Approved Offers: May be available for existing Federal Bank customers.
    • Financial Stability: Applicants with savings, investments, or other assets have higher approval chances.
    • Stable Address: Address proof must match application form; frequent changes may affect approval.
    • KYC Compliance: Aadhaar, PAN, and other valid documents required. NRIs may need PIO card or passport.
  • Banking Relationship:
    • Existing Federal Bank customers with active savings, salary, or fixed deposit accounts may have easier approval chances.
    • Loan repayment history with the bank (if any) is also considered during evaluation.
  • Mobile Number and Email Verification:
    • Applicants must have an active mobile number linked to Aadhaar for OTP and KYC verification.
    • A valid and frequently used email ID is necessary for communication and digital card activation.
  • HP Pay Integration (Optional):
    • Users who already use the HP Pay app may be given priority, especially if transaction history is active.
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Documents Required for the Federal Bank BPCL RuPay Credit Card

  • Identity Proof
    • Aadhaar Card: Must include a masked Aadhaar number (only the last four digits visible).
    • PAN Card: Mandatory for tax compliance and linking with financial records.
    • Passport: Valid for Indian residents and NRIs, with address and photo.
    • Voter ID: Issued by the Election Commission of India, with clear details.
    • Driver’s License:Should include a photo, date of birth, and be issued by a recognized authority.
    • PIO Card: Required for NRIs of Indian origin, if applicable.
  • Address Proof
    • Aadhaar Card: Must match the address provided in the application.
    • Utility Bill: Electricity, gas, or water bill issued within the last 3 months.
    • Bank Statement: Should reflect the applicant’s name and current address (last 3 months).
    • Rental Agreement: Must be registered and include applicant’s name and address.
    • Passport: Address page must reflect the current residence.
    • Ration Card: Accepted in certain cases for address validation.
  • Salaried Individuals:
    • Salary Slips: Last 3 months showing consistent income from current employer.
    • Bank Statements: 3–6 months of salary credit account, reflecting regular deposits.
    • Form 16: Latest Form 16 issued by the employer to verify annual income.
    • Employment Certificate: Letter from employer confirming designation and tenure.
  • Self-Employed Individuals:
    • Income Tax Returns (ITR): ITRs of last 2 years, reflecting business income.
    • Bank Statements: Last 6 months of business/personal account showing income flow.
    • Business Registration Proof: GST certificate, shop license, or partnership deed.
  • Additional Requirements for NRIs:
    • Indian Address Proof: Bank statement or utility bill of linked NRE/NRO account.
    • Overseas Address Proof: Recent utility bill, rental agreement, or government ID.
  • Secured Card Applicants:
    • Fixed Deposit Receipt: FD of at least ₹25,000 with a minimum 6-month tenure.
    • Savings Account Details: Must hold an active savings account with Federal Bank.
  • Existing Credit Card Holders:
    • Latest Credit Card Statement: Reflecting recent usage and payment behavior.
    • Front Copy of the Credit Card: For verification of existing credit history.
  • Photographs
    • Two passport-sized recent color photographs with white background.

Factors Affecting Eligibility for Federal Bank BPCL RuPay Credit Card

  • Credit Score and History
    • A credit score of 750+ significantly improves chances of approval, as it reflects responsible credit behavior.
    • Past delinquencies, defaults, or frequent hard inquiries (multiple recent applications) may lower approval odds.
    • Federal Bank reviews credit history from bureaus like CIBIL, Equifax, and Experian over the past 12–24 months.
  • Income and Employment Stability
    • Salaried applicants should have a minimum monthly income of ₹25,000; self-employed individuals need ₹3 lakh annually.
    • Stable employment for over one year (salaried) or two years of business continuity (self-employed) is preferred.
    • Inconsistent income or frequent job changes may be considered high risk by the bank.
  • Credit Utilization and Debt Levels
    • A Credit Utilization Ratio (CUR) below 30% is ideal to demonstrate responsible credit use.
    • High CUR, such as using ₹90,000 of a ₹1 lakh limit, may reduce approval likelihood despite a good score.
    • Applicants with high outstanding loans or credit card balances may face rejections based on their debt-to-income ratio.
  • Location and Federal Bank Relationship
    • Eligibility may be restricted to certain geographies within Federal Bank’s operational areas.
    • Applicants from blacklisted, remote, or unsupported areas may need to provide alternate addresses.
    • Existing customers with savings accounts, FDs, or loans may benefit from faster approvals or better limits.
  • Application Accuracy
    • Ensure all submitted documents are valid, consistent, and match application data (e.g., name, address, income).
    • Errors or mismatches in KYC details can lead to delays or outright rejections.
    • Accurate mobile and email are essential for VKYC and verification.
  • Recent Credit Inquiries
    • Multiple credit card or loan applications within 3–6 months negatively affect the score via hard inquiries.
    • Apply strategically and avoid excessive credit-seeking behavior before submitting an application.
  • Secured vs. Unsecured Option
    • Applicants with low scores or limited income can opt for a secured BPCL card backed by an FD.
    • Minimum FD requirement and tenure vary; the deposit acts as collateral to ease approval risks.
  • Spending Behavior and Lifestyle Fit
    • Applicants with regular fuel expenses, especially at BPCL pumps, are more likely to benefit from the card’s offers.
    • Federal Bank may assess historical spending patterns (if an existing customer) to match product suitability.

Frequently Asked Questions (FAQs) – Federal Bank BPCL RuPay Credit Card

1. What is the Federal Bank BPCL RuPay Credit Card?
It is a co-branded credit card offered by Federal Bank in partnership with BPCL (Hindustan Petroleum Corporation Limited), designed for fuel purchases, especially at HPCL petrol pumps, along with rewards and discounts.
2. What are the key benefits of this card?
Fuel surcharge waiver (usually 1% waived atBPCL outlets), reward points on fuel and non-fuel spends, discounts at BPCL outlets, and welcome benefits (if applicable).
3. Is there a joining/annual fee for this card?
The card may have a joining/annual fee, but some variants may offer a waiver based on spending criteria. Check the latest terms on the bank’s website.
4. How does the fuel surcharge waiver work?
Typically, a 1% fuel surcharge waiver is provided on transactions at BPCL pumps (subject to minimum transaction value, e.g., ₹500).
5. Are there reward points on fuel purchases?
Yes, you may earn reward points on fuel spends at BPCL and other purchases, but redemption rules apply.
6. Where can I redeem my reward points?
Points can usually be redeemed for BPCL fuel vouchers, gift vouchers, statement credit, or other options (check the reward catalog).
7. What is the interest rate and grace period?
Interest rates vary (check the latest RBI guidelines). Grace period is usually up to 48 days (if the bill is paid in full by the due date).
8. How can I check my balance and pay the bill?
Via Federal Bank’s NetBanking/Mobile App, third-party payment apps (PhonePe, Paytm, etc.), ATM, or bank branch.
9. Is there a cashback or discount at BPCL outlets?
Some variants offer additional discounts (e.g., 2.5% to 5% at BPCL pumps) or accelerated reward points.
10. How do I contact customer support for issues?
Call Federal Bank’s 24/7 helpline (number on the card), use the missed call banking feature (if available), or visit the nearest Federal Bank branch.

List of Federal Bank BPCL RuPay Credit Card Branches in Tamil Nadu

  • Chennai - Guindy
  • Coimbatore - Variety Hall Road
  • Coimbatore - Kavundampalayam
  • Coimbatore - Specialised Asset Recovery
  • Coimbatore - Papanaicken Palayam
  • Coimbatore - SSI Financing
  • Coimbatore - Kuniyamuthur
  • Coimbatore - Pattanam
  • Coimbatore - Kannarpalayam
  • Coimbatore - Devanampalayam
  • Coimbatore - Pollachi
  • Coimbatore - Eripatti
  • Madurai - North Chitrai Street
  • Madurai - Simmakkal
  • Madurai - K K Nagar
  • Madurai - Ponmeni
  • Tamil Nadu - Madurai
  • Coimbatore - Saibaba Colony
  • Coimbatore - Achipatti
  • Madurai - Anna Nagar