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Features of the Union Bank BPCL SBI Card

  • Overview of the BPCL SBI Card:
    The BPCL SBI Card, a co-branded credit card launched by SBI Card in collaboration with Bharat Petroleum Corporation Ltd. (BPCL), is designed to cater to individuals who frequently spend on fuel, particularly at BPCL petrol pumps. This card combines the convenience of a credit card with tailored rewards for fuel purchases, dining, groceries, and other lifestyle expenses. It is an international credit card accepted at over 24 million outlets worldwide, including more than 3 lakh outlets in India, making it versatile for both domestic and international transactions. The card’s low annual fee of ₹499 and robust rewards program make it an attractive option for cost-conscious consumers seeking value on everyday spending.
  • Fuel-Specific Reward Structure:
    One of the standout features of the BPCL SBI Card is its robust reward structure for fuel purchases. Cardholders earn 13X reward points for every ₹100 spent on fuel at BPCL petrol pumps, equivalent to a 4.25% value-back (3.25% from reward points + 1% fuel surcharge waiver). This is capped at 1,300 reward points per billing cycle, ensuring significant savings for frequent fuel users. For example, spending ₹10,000 monthly on fuel at BPCL pumps yields 1,300 points, worth ₹325. Additionally, the card offers a 1% fuel surcharge waiver on transactions up to ₹4,000 at BPCL pumps, with a maximum waiver of ₹100 per statement cycle. This translates to annual savings of up to ₹1,200, equivalent to approximately 70 liters of fuel, assuming an average fuel price of ₹100 per liter.
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    • Welcome Bonus: Upon paying the joining fee of ₹499, cardholders receive 2,000 activation bonus reward points, equivalent to ₹500 in value. These points are credited within 20 days of fee payment and can be redeemed for fuel purchases at select BPCL outlets or through the Shop n Smile rewards catalogue, which includes e-vouchers and products from partners like Amazon and Yatra.com. This welcome bonus provides immediate value, offsetting the initial cost of the card and encouraging early usage.
    • Lifestyle and Everyday Spending Rewards: The card extends its rewards program beyond fuel to everyday spending categories, making it versatile for lifestyle-oriented consumers. Cardholders earn 5X reward points per ₹100 spent on dining, groceries, departmental stores, and movies, with a cap of 5,000 reward points per month. For instance, spending ₹10,000 monthly on dining yields 500 points, worth ₹125 (1 point = ₹0.25). For all other retail purchases (excluding fuel), users earn 1 reward point per ₹100 spent. This structure ensures cardholders accumulate rewards across diverse spending categories, enhancing the card’s utility for daily expenses.
    • Add-On Card Facility: The BPCL SBI Card offers a complimentary add-on card facility for family members above 18 years, such as parents, spouses, siblings, or children. This feature allows cardholders to extend the card’s benefits, including fuel and lifestyle rewards, to their loved ones without incurring additional annual fees. The add-on card shares the primary card’s credit limit, enabling households to consolidate spending and maximize rewards, making it a cost-effective option for family financial management.
    • Flexible EMI Options: For significant purchases, the card allows transactions worth ₹2,500 or more to be converted into flexible monthly installments within 30 days of the purchase. This feature provides financial flexibility for managing large expenses, such as electronics, appliances, or travel bookings, without straining monthly budgets. Cardholders can choose tenures that suit their repayment capacity, though interest rates and processing fees may apply, which should be reviewed before opting for EMI conversion.
    • Easy Money Facility: The BPCL SBI Card includes the Easy Money facility, enabling cardholders to request cash against their credit limit in the form of a draft or cheque, delivered to their doorstep. This feature is particularly useful for urgent cash needs, such as medical emergencies or unexpected expenses. However, finance charges apply from the date of withdrawal until repayment, so cardholders should use this feature judiciously to avoid high interest costs.
    • Contactless Payment Technology: Equipped with contactless payment technology, the BPCL SBI Card allows for quick and secure transactions at compatible terminals by simply tapping the card. This feature is ideal for small, frequent purchases like fuel, dining, or retail, reducing transaction time and enhancing security through encrypted technology. Contactless payments are particularly convenient at busy BPCL pumps, where speed and efficiency are valued.
    • Global Acceptance: As a Visa or MasterCard variant, the BPCL SBI Card is accepted at over 24 million outlets worldwide, including 3 lakh outlets in India. This global acceptance ensures cardholders can use it seamlessly for international travel, online shopping, or in-store purchases, making it a versatile financial tool for both domestic and overseas transactions. Whether booking flights, shopping online, or dining abroad, the card offers reliable payment options.
    • Easy Bill Pay Facility: The card supports the Easy Bill Pay facility, allowing cardholders to automate payments for utilities such as electricity, telephone, and mobile bills. This feature simplifies bill management, ensures timely payments, and reduces the risk of late fees or service disruptions. Cardholders can set up standing instructions for recurring bills, making financial management more efficient, especially for busy professionals or families.
    • Interest-Free Credit Period: Cardholders enjoy an interest-free credit period of 20-50 days on retail purchases, provided the outstanding balance is paid in full by the due date. This feature allows users to manage cash flow effectively, using the card for purchases without incurring finance charges if repaid promptly. For example, a purchase made early in the billing cycle can benefit from up to 50 days of interest-free credit, enhancing financial flexibility.
    • Balance Transfer Facility: Reward points earned on the BPCL SBI Card can be redeemed for fuel purchases at select BPCL outlets or through the Shop n Smile rewards catalogue, which includes e-vouchers, electronics, and travel bookings with partners like Amazon, OLA, BookMyShow, and Yatra.com. Points expire after 24 months if not redeemed, and a redemption fee with 18% GST applies. This flexibility allows cardholders to use rewards for practical needs like fuel or indulgent purchases like travel or electronics.
    • Reward Redemption Options: Reward points earned on the BPCL SBI Card can be redeemed for fuel purchases at select BPCL outlets or through the Shop n Smile rewards catalogue, which includes e-vouchers, electronics, and travel bookings with partners like Amazon, OLA, BookMyShow, and Yatra.com. Points expire after 24 months if not redeemed, and a redemption fee with 18% GST applies. This flexibility allows cardholders to use rewards for practical needs like fuel or indulgent purchases like travel or electronics.Reward points earned on the BPCL SBI Card can be redeemed for fuel purchases at select BPCL outlets or through the Shop n Smile rewards catalogue, which includes e-vouchers, electronics, and travel bookings with partners like Amazon, OLA, BookMyShow, and Yatra.com. Points expire after 24 months if not redeemed, and a redemption fee with 18% GST applies. This flexibility allows cardholders to use rewards for practical needs like fuel or indulgent purchases like travel or electronics.
    • Annual Fee and Waiver: The card carries an annual fee of ₹499 (plus applicable taxes), which is relatively low for a co-branded fuel card. While there is no explicit annual fee waiver mentioned, maintaining regular usage and timely payments can enhance the card’s cost-effectiveness by maximizing rewards and savings, particularly on fuel purchases.
    • Security Features: The BPCL SBI Card incorporates advanced security features, including EMV chip technology and contactless payment encryption, to protect against fraud. Cardholders are advised to report suspicious transactions immediately and avoid sharing their PIN for added security. SBI Card’s customer support team is available to assist with fraud-related issues, ensuring quick resolution.
    • No Airport Lounge Access: Unlike premium cards like the BPCL SBI Card Octane, the BPCL SBI Card does not offer complimentary airport lounge access. This may be a limitation for frequent travelers seeking travel-related perks, but the card’s focus on fuel and lifestyle rewards compensates for everyday users.
    • Fuel Freedom Benefits: The card’s fuel freedom benefits include the ability to save on fuel purchases without a minimum spend threshold, making it flexible for all transaction sizes up to ₹4,000. This ensures cardholders can maximize savings on both small and large fuel purchases at BPCL pumps, enhancing the card’s appeal for frequent drivers.
    • Comprehensive Rewards Program: The rewards program is designed to cater to diverse spending habits, from fuel to lifestyle expenses. The ability to earn accelerated rewards on dining, groceries, and movies, combined with the option to redeem points for fuel or other products, makes the card a well-rounded choice for everyday spending. The lack of a minimum spend requirement for rewards further enhances its accessibility.
    • Customer Support Accessibility: Cardholders can access SBI Card’s customer support through multiple channels, including phone and email. Support is available from 8 AM to 8 PM, Monday to Saturday, ensuring assistance for queries related to card usage, rewards, or disputes. This accessibility enhances the overall user experience.
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Benefits of the Union Bank BPCL SBI Card

  • Fuel Savings: The BPCL SBI Card is tailored for fuel-conscious consumers, offering significant savings at BPCL petrol pumps. The 4.25% value-back on fuel purchases comprises 3.25% from 13X reward points and a 1% fuel surcharge waiver, capped at 1,300 reward points per billing cycle. For example, a monthly fuel spend of ₹10,000 at BPCL pumps yields 1,300 points (worth ₹325) and a ₹100 surcharge waiver, totaling ₹425 in monthly savings. Annually, this equates to ₹1,200 in surcharge waivers and up to ₹3,900 in reward value, making it an excellent choice for frequent drivers. The ability to redeem points for fuel further enhances savings, effectively reducing fuel costs.
  • Welcome Bonus Value: New cardholders receive 2,000 activation bonus reward points worth ₹500 upon paying the joining fee of ₹499. Credited within 20 days, these points can be redeemed for fuel at BPCL outlets or through the Shop n Smile rewards catalogue. This immediate benefit offsets the joining fee, providing instant value and encouraging cardholders to start using the card for fuel and other purchases.
    • Lifestyle Rewards: The card’s 5X reward points on dining, groceries, departmental stores, and movies (capped at 5,000 points monthly) cater to lifestyle-oriented consumers.
    • Flexible Payment Options: The ability to convert purchases of ₹2,500 or more into EMIs provides financial flexibility. This benefit is particularly useful for managing high-value transactions, such as booking travel.
    • Add-On Card for Family: The complimentary add-on card facility extends the card’s benefits to family members above 18 years. For example, a family member using the add-on card for groceries.
    • Global Usability: With acceptance at over 24 million outlets worldwide, including 3 lakh in India, the card offers seamless usability for international travel, online shopping, and in-store purchases via Visa or MasterCard.
    • Automated Bill Payments: The Easy Bill Pay facility simplifies utility bill payments, ensuring timely payments for electricity, telephone, and mobile bills. Cardholders can avoid late fees and service disruptions.
    • Interest-Free Period: The 20-50 day interest-free credit period on retail purchases helps cardholders manage cash flow effectively. By paying the outstanding balance by the due date, users avoid finance charges.
    • Cash Access via Easy Money: The Easy Money facility allows cash withdrawal against the credit limit via draft or cheque, especially helpful during emergencies like medical needs or urgent repairs.
    • Reward Redemption Flexibility: Reward points can be redeemed for fuel at select BPCL outlets, e-vouchers, or products from the Shop n Smile catalogue, including Amazon, OLA, BookMyShow, and Yatra.com.
    • Low Annual Fee: With an annual fee of ₹499, the card remains affordable. Its reward structure, especially for BPCL customers, provides value that outweighs the fee for frequent users.
    • Contactless Convenience: Contactless payments allow quick and secure transactions for small purchases at fuel stations, restaurants, or retail stores, improving user convenience and safety.
    • Balance Transfer Savings: The Balance Transfer facility lets users consolidate other credit card debts at lower interest rates, helping reduce overall costs. Available through the SBI Card website or customer care.
    • Security and Fraud Protection: The card includes EMV chip and contactless encryption. Suspicious activity can be reported promptly, and the support team ensures quick resolution to enhance cardholder confidence.
    • No Minimum Spend for Rewards: Unlike some cards, this one has no minimum spend requirement to earn rewards. All eligible purchases contribute to reward accumulation, maximizing benefits for users of all spending levels.
    • Annual Fuel Savings: Refueling ₹10,000 monthly at BPCL pumps can save up to ₹1,200 on surcharges and earn rewards worth ₹3,900 annually—totaling savings of around ₹5,100 per year.
    • Enhanced Lifestyle Spending: The 5X reward structure on dining, groceries, and movies makes it ideal for lifestyle-focused users, offering great returns on everyday spending.
    • Customer Support Accessibility: SBI Card customer support is available via phone 8885545255 to help resolve queries related to billing, disputes, or rewards.
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How to Apply for the Union Bank BPCL SBI Card

  • Apply Online via SBI Card Website:
    • Visit the official SBI Card website and go to the “Credit Cards” section.
    • Select the “BPCL SBI Card” under the “Travel & Fuel” category and click “Apply Now.”
  • Fill Out the Online Application:
    • Enter your name, mobile number, email, occupation, income, and city.
    • Verify your mobile number using OTP to continue to the next step.
  • Submit KYC and Financial Details:
    • Provide your PAN, residential address, and income proof.
    • Include employment or business details for salaried/self-employed applicants.
  • Instant Eligibility Check:
    • After submitting the form, you will receive an instant eligibility status on-screen.
    • Eligible applicants are contacted for document collection or upload.
  • Document Collection and Verification:
    • An SBI representative will contact you within 2 working days to collect documents.
    • Alternatively, upload scanned documents online as per instructions.
  • Offline Application (Optional):
    • Visit any SBI branch and request the BPCL SBI Card application form.
    • Submit the filled form along with KYC and income documents to the bank staff.
  • Track Application Status:
    • Go to www.sbicard.com and click “Track Application.”
    • Enter your application/reference number to view the current status.
  • Alternate Platform - Bajaj Markets:
    • Visit Bajaj Markets and check eligibility by entering your personal and income details.
    • Select BPCL SBI Card from the eligible options and complete the application form.
  • Post-Approval Process:
    • Once approved, the card is dispatched to your address within a few working days.
    • Activate your card via SBI Card website, mobile app, or customer service helpline.
  • Tips for a Successful Application:
    • Ensure your credit score is above 750 for higher approval chances.
    • Apply only if your residence falls within SBI’s serviceable PIN codes.

Eligibility Criteria for the Union Bank BPCL SBI Card

  • Age Requirements:
    • Primary & Add-On Cardholders: Must be at least 18 years old.
    • No upper age limit specified, but applicants above 60 may face stricter scrutiny.
  • Nationality & Residency:
    • Must be a citizen of India.
    • NRIs may have separate eligibility norms and should consult SBI Card customer care.
  • Income Requirements:
    • A regular source of income (salaried or self-employed) is mandatory.
    • Minimum monthly income typically ranges between ₹20,000–₹30,000 (varies by card variant).
    • Self-employed applicants should show ₹3–5 lakh annual income for higher approval chances.
  • Employment Status:
    • Salaried: Should have stable employment with 6–12 months tenure at the current job.
    • Self-Employed: Must provide ITRs or audited statements proving stable income for at least 2 years.
  • Credit Score:
    • A score of 750 or above is preferred for approval.
    • Scores below 700 may still qualify but could result in lower limits or rejection.
  • Residential Location:
    • Applicant’s address must fall within SBI Card’s serviceable PIN codes.
    • Applications from blacklisted or remote regions may be rejected.
  • Credit Profile Considerations:
    • No recent defaults, late payments, or high credit utilization preferred.
    • Multiple recent credit inquiries may reduce chances of approval.
  • Document Requirements:
    • KYC Documents: Aadhaar card, PAN card, and address proof.
    • Income Proof: Salary slips, bank statements, or ITR/Form 16/audited financials as applicable.
  • Tips to Improve Eligibility:
    • Maintain a clean credit history and make timely repayments.
    • Keep credit utilization below 30% of the total available credit limit.
    • Pay off existing loans or card dues to improve your debt-to-income ratio.
    • Maintain job stability and check for pre-approved offers on the SBI Card portal.
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Documents Required for the Union Bank BPCL SBI Card

  • Identity Proof:
    • PAN Card: Mandatory for KYC verification and tax purposes, linking the card to your income tax records.
    • Aadhaar Card: Widely accepted for identity and often for address verification as well.
    • Voter’s ID: Valid government-issued ID for identity proof.
    • Driver’s License: Serves as both identity and address proof depending on issuing authority.
    • Passport: Acceptable for both identity and address verification, ideal for international cardholders.
    • NREGA Card: Government-issued ID under National Rural Employment Guarantee Act.
    • OCI Card or PIO Card: For NRIs or dual citizenship holders.
    • Letters Issued by UIDAI: Any government-approved photo ID issued by UIDAI.
  • Address Proof:
    • Aadhaar Card: Commonly used for identity and address verification, provided the address matches current residence.
    • Passport: Valid for identity and address, especially for frequent travelers.
    • Voter’s ID: Accepted if it includes current residential address.
    • Ration Card: Traditional document for address verification.
    • Utility Bills: Electricity, water, or telephone bills not older than 3 months showing applicant’s name and address.
    • Bank Passbook or Statement: Recent statements (last 3 months) with applicant’s address, stamped or attested by bank.
    • Letter from Recognized Public Authority: Government-issued letter such as municipal corporation proof.
    • Property Registration Document: For homeowners.
  • Income Proof:
    • Salary Slips: Last 3 months’ salary slips for salaried individuals.
    • Bank Statements: Recent statements (last 3 months) showing salary credits or business income, stamped by bank.
    • Income Tax Return (ITR): Latest ITR for self-employed or additional income.
    • Form 16: Issued by employer detailing annual income and tax deductions.
    • Salary Certificate: Employer-issued certificate confirming monthly or annual income (if requested).
  • Photograph:
    • Recent passport-sized photograph with a clear, high-quality image and white/light background.
    • Size typically 35mm x 45mm; no obstructions like hats or glasses unless for religious/medical reasons.
    • Multiple copies may be needed for offline applications or add-on cards.
  • Additional Documents (if applicable):
    • Business Proof: For self-employed applicants, GST registration, shop license, audited financials, etc.
    • Employment Proof: Appointment letter, employee ID, or salary certificate if requested.
    • Credit Report: Accessed by SBI Card from bureaus; ensure accuracy before applying.
  • Document Submission Process:
    • Online: Upload clear scanned copies (PDF/JPEG, under 2MB) during application on SBI Card website.
    • Offline: Attach attested/self-attested physical copies to application form at SBI branches.
    • Verification: May involve telephonic, physical, or online Aadhaar-based e-KYC verification.
  • Documents for Add-On Cards:
    • Identity Proof: Aadhaar, PAN, passport, or voter’s ID of add-on cardholder.
    • Relationship Proof: Marriage certificate, birth certificate, or similar documents.
    • Photograph: Passport-sized photograph of add-on cardholder.
  • Tips for Document Preparation:
    • Keep physical and digital copies ready for faster processing.
    • Ensure documents are valid and not expired (e.g., utility bills within 3 months).
    • Ensure consistency of details across all documents to avoid rejection.
    • Use secure official channels to upload sensitive information.
    • Organize documents as per application instructions.
  • Importance of Accuracy:
    • Discrepancies in names, addresses, or income can cause delays or rejection.
    • Double-check all documents before submission.
  • Handling Document Verification:
    • Respond promptly to telephonic or physical verification requests.
    • Keep contact details updated and active for communication.
  • Special Considerations:
    • Self-employed applicants may need extra business documentation.
    • NRIs or OCI holders may require additional identity/address proofs.
    • Add-on card applicants usually do not need income proof.

Factors Affecting the Union Bank BPCL SBI Card Application

  • Credit Score: A credit score is one of the most critical factors influencing approval. SBI Card assesses scores from bureaus like CIBIL, Experian, Equifax, and CRIF High Mark. A score above 750 is considered strong, improving approval chances and potentially securing a higher credit limit. A low score (below 700) or history of defaults can lead to rejection or a lower limit. Regularly check your credit report to identify and rectify errors, such as incorrect payment records, before applying.
  • Income Level: The applicant’s income is a primary determinant of eligibility and credit limit. SBI Card evaluates monthly or annual income to ensure repayment capacity:
    • Salaried Applicants: Must demonstrate consistent income through salary slips or bank statements. A minimum monthly income of ₹20,000–₹30,000 is often required, though exact thresholds vary.
    • Self-Employed Applicants: Need to provide ITR, Form 16, or audited financial statements showing stable business income, typically ₹3–5 lakh annually. Higher incomes increase approval likelihood and may result in a higher credit limit, as they indicate greater repayment capacity.
  • Employment Stability: Job stability significantly impacts eligibility. Salaried individuals with over one year of employment at the same organization are preferred, as this suggests income reliability. Self-employed applicants should demonstrate consistent business income over at least two years, supported by financial documents. Frequent job changes or unstable business performance may raise concerns about repayment ability, potentially leading to rejection.
  • Age: Applicants must be at least 18 years old for both primary and add-on cards. While no upper age limit is specified, older applicants (above 60) may face stricter scrutiny regarding income and repayment capacity. Younger applicants with limited credit history may need to provide additional income proof to strengthen their application, as they may be perceived as higher-risk.
  • Credit Utilization Ratio: A credit utilization ratio below 30% indicates responsible credit use and boosts approval chances. For example, if your existing credit limit is ₹1 lakh, keep outstanding balances below ₹30,000. High utilization (above 50%) suggests financial strain, potentially leading to rejection or a lower credit limit. Pay down existing balances before applying to improve this ratio.
  • Payment History: A clean payment history without defaults or late payments is crucial. Defaults can remain on your credit report for up to seven years, negatively impacting eligibility. Timely payments on existing loans and credit cards demonstrate reliability, increasing approval chances. Regular credit report checks help identify inaccuracies that could affect your application.
  • Number of Credit Inquiries: Multiple credit inquiries within a short period can lower your credit score and signal financial distress to issuers. Each inquiry for a loan or credit card is recorded on your credit report, and too many inquiries (e.g., more than 2–3 in six months) may lead to rejection. Apply for the BPCL SBI Card alone to preserve your credit profile.
  • Residential Location: SBI Card services most areas in India, but applicants in blacklisted or remote regions may be ineligible. These regions are typically underserved due to logistical challenges or high default rates. Confirm your residential PIN code is serviceable via the SBI Card website or customer service to avoid automatic rejection.
  • Debt-to-Income Ratio: A high debt-to-income ratio (existing debt compared to income) can reduce approval chances, as it indicates limited repayment capacity. For example, if your monthly income is ₹50,000 and existing loan EMIs are ₹30,000, your high ratio may concern the bank. Clear outstanding debts or reduce EMIs before applying to improve this metric.
  • Educational Qualifications: While not a primary factor, educational qualifications may influence eligibility, particularly for self-employed applicants. Postgraduates or professionals (e.g., doctors, lawyers) with stable careers may have an advantage, as higher education often correlates with income stability. However, this factor is secondary to income and credit score.
  • Documentation Accuracy: Incomplete or inaccurate documentation can lead to rejection. For example, mismatched names or outdated address proofs can cause verification failures. Ensure all documents (identity, address, income proof) are valid, consistent, and meet SBI Card’s requirements to avoid delays or denial.
  • Existing Relationship with SBI: An existing banking relationship with SBI, such as a savings account with a high balance or a fixed deposit, can enhance approval chances. The bank may offer pre-approved cards to loyal customers, simplifying eligibility requirements. Check for pre-approved offers via the SBI Card website or chatbot ILA.
  • Application Timing: Applying during periods of high credit demand, such as festive seasons, may result in longer processing times due to high application volumes. Submitting applications during less busy periods (e.g., mid-year) can expedite processing and approval, as the bank can allocate more resources to each application.
  • Tips to Improve Approval Chances:
    • Monitor Credit Score: Regularly check your credit score via CIBIL, Experian, or other bureaus and address discrepancies promptly.
    • Reduce Debt: Pay off existing loans or credit card balances to lower your debt-to-income ratio and improve your financial profile.
    • Limit Inquiries: Avoid applying for multiple credit cards or loans simultaneously to prevent a negative impact on your credit score.
    • Provide Complete Documents: Ensure all required documents are accurate, valid, and submitted promptly to streamline verification.
    • Leverage Pre-Approved Offers: Check for pre-approved offers via the SBI Card website, mobile app, or chatbot ILA, as these often have relaxed eligibility criteria.

Frequently Asked Questions (FAQs) – Union Bank BPCL SBI Card

1. What is the Union Bank BPCL SBI Card?
The Union Bank BPCL SBI Card is a co-branded credit card offered by Union Bank of India in partnership with Bharat Petroleum Corporation Limited (BPCL) and State Bank of India. It is designed to offer fuel-related benefits, including cashback and reward points on fuel purchases at BPCL petrol pumps.
2. Who is eligible to apply for the Union Bank BPCL SBI Card?
Applicants must be Indian residents, at least 21 years old (primary cardholders), have a regular income source, and maintain a good credit score. Final approval depends on the bank’s credit policy.
3. What are the key benefits of the Union Bank BPCL SBI Card?
- 4.25% value back via reward points on BPCL fuel spends
- 13X reward points on fuel purchases
- 1% fuel surcharge waiver at BPCL outlets
- Discounts on utility bill payments and dining
4. What is the joining fee and annual fee for this card?
Joining fee: ₹499 + GST
Annual renewal fee: ₹499 + GST (waived on annual spend threshold, e.g., ₹50,000)
5. How do I apply for the Union Bank BPCL SBI Card?
Apply through Union Bank branches, SBI Cards official website, or Union Bank digital platforms. Required documents include ID proof, address proof, income proof, and passport-sized photos.
6. What are the reward points on this card, and how are they calculated?
- 13X reward points on every ₹100 spent on BPCL fuel purchases
- 1X reward point on other retail spends
- 1 reward point equals ₹0.25 on redemption
7. Is there a fuel surcharge waiver with this card?
Yes, 1% fuel surcharge waiver on BPCL fuel transactions between ₹500 and ₹4,000. Maximum waiver per statement cycle is ₹100.
8. Can I use the card for online shopping and utility bill payments?
Yes, the card can be used for e-commerce, bill payments, mobile recharges, and other merchant transactions with standard reward points.
9. How can I redeem the reward points earned on the card?
Redeem points via SBI Card website or mobile app for fuel purchases, gift vouchers, merchandise, or statement credit.
10. Is this a contactless credit card?
Yes, the Union Bank BPCL SBI Card supports contactless payments via NFC-enabled terminals.
11. What are the late payment charges for this card?
Late fees range typically from ₹200 to ₹950 based on outstanding balance, as per SBI Cards’ fee structure.
12. How can I check my Union Bank BPCL SBI Card statement?
Statements are available via email, SBI Card website, or mobile app. SMS alerts and notifications are also provided.
13. Is there an add-on card facility available?
Yes, you can request supplementary cards for family members (spouse, parents, siblings, children above 18).
14. What should I do if my card is lost or stolen?
Immediately contact SBI Card customer care or block the card via the app/website and request a replacement to prevent fraud.
15. Can I convert large purchases into EMIs using this card?
Yes, eligible high-value purchases can be converted into EMIs at attractive interest rates via the EMI facility.

List of Union Bank Branches in Andhra Pradesh

  • Vijayawada - Governorpet
  • Vijayawada - Labbipet
  • Vijayawada - Machavaram
  • Vijayawada - Patamata
  • Vijayawada - One Town
  • Andhra Pradesh - Vijayawada
  • Visakhapatnam - Dwaraka Nagar
  • Visakhapatnam - Gajuwaka
  • Visakhapatnam - MVP Colony
  • Visakhapatnam - Akkayyapalem
  • Andhra Pradesh - Visakhapatnam
  • Guntur - Lakshmipuram
  • Guntur - Arundelpet
  • Guntur - Kothapet
  • Guntur - Pattabhipuram
  • Guntur - Tenali
  • Andhra Pradesh - Guntur
  • Vijayawada - Bhavanipuram
  • Visakhapatnam - Seethammadhara
  • Visakhapatnam - NAD Kotha Road
  • Guntur - Tenali