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Features of SBI BPCL Credit Card
- Welcome Bonus: Earn 2,000 activation bonus reward points (worth ₹500) upon payment of the joining fee, credited within 20 days.
- Fuel Savings:
4.25% value-back on fuel purchases at BPCL petrol pumps, comprising:
13X reward points per ₹100 spent on fuel (up to 1,300 reward points per billing cycle).
1% fuel surcharge waiver on transactions up to ₹4,000 (excluding GST and other charges), capped at ₹100 per billing cycle (equivalent to annual savings of ₹1,200).
Reward points earned on BPCL fuel purchases are credited on the transaction date and can be redeemed instantly at over 1,200 BPCL outlets or through the Shop n Smile rewards catalogue. - Rewards on Everyday Purchases:
5X reward points per ₹100 spent on:
Groceries
Departmental stores
Movies
Dining
Utility bill payments (via standing instructions)
Capped at 5,000 reward points per month.
1 reward point per ₹100 on non-fuel retail purchases (except mobile wallet uploads and non-BPCL fuel spends).
- Reward Redemption: No minimum threshold for reward point redemption. Points can be redeemed for fuel at select BPCL outlets (1 reward point = ₹0.25) or for gifts via the Shop n Smile rewards catalogue. A ₹99 redemption fee may apply for select items like physical vouchers or statement credits. Reward points expire after 24 months unless specified otherwise.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹100 per statement cycle.
- Contactless Payments: Supports fast, secure, and convenient contactless transactions at compatible terminals, reducing the risk of card loss or fraud.
- International Acceptance: Accepted at over 24 million outlets worldwide, including 3.25 lakh outlets in India, as part of the Visa or Mastercard network.
- Add-On Cards: Complimentary add-on cards for family members (parents, spouse, children, or siblings above 18 years) at no extra cost.
- Balance Transfer: Transfer outstanding balances from other credit cards to the BPCL SBI Card at a lower interest rate, repayable in EMIs.
- Flexipay: Convert purchases of ₹2,500 or more into easy monthly installments (EMIs) by logging into sbicard.com within 30 days of purchase.
- Easy Bill Pay: Set up auto-debit for utility bills (electricity, telephone, mobile, etc.) to ensure timely payments.
- Easy Money Facility: Request doorstep delivery of a draft or cheque against your cash limit for quick access to funds.
- Fees and Charges:
Joining Fee: ₹499 (one-time).
Renewal Fee: ₹499 per annum (no waiver conditions mentioned).
Finance Charges: Up to 3.35% per month (40.2% per annum) on unpaid balances or EMIs.
Over Limit Fee: 2.5% of the over-limit amount.
Cash Advance Charges: Up to 3.35% per month; 2.5% at SBI ATMs, 3% at international ATMs.
Cash Advance Limit: Up to 80% of the credit limit, max ₹12,000 per day.
Late Payment Fees: ₹100 to ₹950 based on dues (e.g., ₹100 for ₹200–₹500 dues; ₹950 for >₹25,000).
Interest-Free Credit Period: 20–50 days on retail purchases (subject to timely payment). - Eligibility Criteria:
Age: Minimum 21 years (18+ for add-on cardholders).
Citizenship: Must be an Indian citizen.
Income: Stable income source (salaried/self-employed).
Credit History: Good credit score and repayment history.
Credit Limit: Determined based on credit score, income, utilization, and repayment patterns. - Required Documents:
Identity Proof: Aadhaar, PAN, Voter ID, Driving License, Passport, or NREGA Card.
Address Proof: Utility bills, Ration Card, Passport, Aadhaar, or Bank Passbook.
Income Proof: Salary slips (last 3 months), bank statements, Form 16, or ITR.
Photograph: Recent passport-size photo. - Application Process:
Online: Apply via sbicard.com or platforms like BankBazaar, Paisabazaar, Bajaj Finserv, or MyMoneyMantra. Submit the form and documents for instant decision.
Offline: Visit an SBI branch, meet a bank executive, and apply manually.
Processing Time: Up to 21 days if all documents are in order. - Limitations:
- No airport lounge access (unlike BPCL SBI Card Octane).
- Low rewards on non-fuel spends (1 point per ₹100).
- Fuel benefits apply only at BPCL outlets.
- Monthly caps: 1,300 points on fuel, 5,000 on non-fuel rewards.
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- Accelerated Rewards on Everyday Spends: Earn 5X reward points per ₹100 spent on groceries, dining, departmental stores, and movies. Capped at 5,000 points/month.
- Reward Points on Other Retail Spends: Earn 1 reward point per ₹100 spent on all other eligible retail purchases (excluding mobile wallet uploads and non-BPCL fuel).
- No Minimum Redemption Threshold: Instantly redeem reward points at 1,200+ BPCL outlets or via BPCL fuel vouchers (valid for 6 months), with no minimum redemption requirement.
- Contactless Payments: Supports quick, secure contactless transactions—ideal for low-value purchases and reducing card handling risks.
- Worldwide Acceptance Accepted at over 24 million Visa/MasterCard outlets worldwide, including 325,000 in India.
- Add-On Cards: Free add-on cards for family members (spouse, parents, siblings, or children 18+), sharing the same credit limit and earning rewards.
- Balance Transfer on EMI: Transfer outstanding dues from other credit cards to the SBI BPCL Card at lower interest and repay in EMIs for improved debt management.
- Flexipay Facility: Convert purchases of ₹2,500 or more into EMIs within 30 days via SBI Card website. Choose from flexible tenure options.
- Easy Bill Pay: Pay utility bills such as electricity, mobile, and telephone through SBI Card’s Easy Bill Pay service, ensuring timely and hassle-free payments.
- Cash Withdrawal Access: Withdraw cash from over 10 lakh Visa/RuPay ATMs worldwide, up to 80% of your credit limit (max ₹12,000/day), subject to fees and limits.
- Low Annual Fee: Affordable joining and renewal fee of ₹499 + taxes makes this a value-for-money card for first-time users.
- Annual Fuel Savings: Save up to the equivalent of 70 liters of fuel annually through combined rewards and surcharge waivers—ideal for frequent drivers.
- Reward Point Value: Each reward point is worth ₹0.25 when redeemed at BPCL outlets or for fuel vouchers. Non-fuel redemptions via Shop n Smile may have lower value.
- Limitations: No reward points on mobile wallet reloads or non-BPCL fuel spends. Fuel benefits apply only to BPCL outlets.
- Eligibility: Must be an Indian citizen, 21+ years old, with a stable income and good credit history. Documents required: identity proof, address proof, income proof, and a recent photo.
- Attractive Welcome Bonus: Receive 2,000 activation bonus reward points (worth ₹500) upon paying the joining fee of ₹499 + taxes, credited within 20 days of card activation.
- Significant Fuel Savings: Enjoy 4.25% value-back at BPCL fuel stations via 13X reward points (₹0.25 per point) and a 1% fuel surcharge waiver, capped at 1,300 points and ₹100 respectively per billing cycle.
- Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on transactions up to ₹4,000 at BPCL outlets, capped at ₹100 per billing cycle—auto-applied for up to ₹1,200 in annual savings.
- Accelerated Rewards on Everyday Spending: Earn 5X reward points per ₹100 on groceries, dining, department stores, and movies—capped at 5,000 points/month. Offers up to ₹1,250 monthly redemption value when used for fuel.
- Standard Rewards on Other Retail Spends: Earn 1 reward point per ₹100 on all other retail transactions (excluding non-BPCL fuel and wallet loads). Points offer 0.25% value, adding long-term benefits across general expenses.
- Flexible Reward Redemption: Redeem points at 1,200+ BPCL outlets instantly, or via SBI Card’s website/app as fuel vouchers or Shop n Smile catalog items. Each point is worth ₹0.25; no minimum threshold required.
- Contactless Payment Convenience: Make secure tap-and-go payments at enabled terminals using Visa payWave. This reduces physical handling and ensures encrypted, tokenized security.
- Worldwide Acceptance: Accepted at over 24 million Visa/MasterCard outlets globally, including 325,000 in India. A 3.5% + GST foreign currency markup applies for international use.
- Complimentary Add-On Cards: Free add-on cards for family members (18+). All spends earn rewards for the primary account, helping pool rewards on groceries, dining, or fuel.
- Flexipay for EMI Conversion: Convert purchases of ₹2,500+ into EMIs within 30 days via SBI Card website/app. Choose flexible tenures (3–24 months). Processing fee and interest apply.
