BPCL SBI Card

Name: BPCL SBI Card
Brand: SBI Card

WalletWalk Rating

Best for Fuel savings and everyday rewards

Last updated: 23-Aug-2025

Overview

The BPCL SBI Card is a great pick for those who fuel up regularly at BPCL petrol pumps and want additional rewards on groceries, dining, and utility payments.

Pros

↑4.25% valueback on BPCL fuel spends
↑2,000 bonus RP (worth ₹500) as a welcome gift

Cons

↓Reward point cap of 1300/month on fuel spends
↓No airport lounge access or premium travel perks

Key Highlights

Welcome Offer
2,000 RP worth ₹500 on joining, redeemable against BPCL fuel or Shop n Smile catalogue
Users get 2,000 Activation Bonus RP (worth ₹500) upon payment of joining fee. Credited within 20 days and can be redeemed instantly for fuel or catalogue rewards

Reward Rate
1X - 13X RP on eligible spends
13X RP = 4.25% valueback on BPCL fuel (up to ₹4,000 / transaction)
5X RP = 1.25% on groceries, dining, movies, and departmental store spends
1X RP = 0.25% on other spends

Joining Fee
₹499

Annual Fee
₹499 (from second year onwards)
Annual fee waived on ₹50,000 annual spend

Key Benefits

Bill Payment

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Pay bills using Easy Bill Pay

Cashback

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Cashback of 4.25% on BPCL fuel, 1.25% on groceries, dining, movies, and departmental store spends, and 0.25% on other spends through RP

Dining

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5X RP = 1.25% on dining

Food Delivery

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1X RP = 0.25% on spends including food delivery

Fuel

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4.25% valueback and 1% surcharge waiver on BPCL fuel spends

Grocery

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5X RP = 1.25% on groceries

Lifestyle

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5X RP = 1.25% on movies

Reward Points

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13X RP = 4.25% valueback on BPCL fuel (up to ₹4,000 / transaction)
5X RP = 1.25% on groceries, dining, movies, and departmental store spends
1X RP = 0.25% on other spends

Shopping

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5X RP = 1.25% on departmental store spends

Merchant Offers

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13X RP = 4.25% valueback on BPCL fuel (up to ₹4,000 / transaction)

Balance Transfer

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No interest if payment made within 60 days.
Can be taken for ₹5,000 to max 75% of credit limit

Emi

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Convert purchases into EMI for transaction over ₹2,500

Detailed Information

Joining Fee	₹499
Annual Fee	₹499 (from second year onwards)
Annual Fee Waiver	Annual fee waived on ₹50,000 annual spend
Monthly Percentage Rate	3.50%
Annual Percentage Rate	42.00%
Foreign Currency Markup	3.50%
Late Payment Charges	₹400 - ₹1,300 (Based on outstanding amount due)
Overlimit Charges	2.5% of the overlimit amount that exceeds the credit limit or ₹600
Cash Advance Fee	2.5% (subject to min. of ₹500)
Balance Transfer Fee	Within 60 days, 2% or ₹199 (whichever is higher), Within 180 days, interest charged at 1.7% p.m. (20.4% p.a) but nil fees"
Card Replacement Fee	₹100
Fee For Cheque Bounce	2% of Payment amount (subject to a min. of ₹500)

Identity Proof	Recent passport size photograph, Copy of masked Aadhaar / Virtual ID card (both sides mask first 8-digits of Aadhaar Number), Voter ID Card (both sides), Driving License\* (both sides), Passport (any one of the mentioned)
Address Proof	Copy of masked Aadhaar / Virtual ID card (both sides mask first 8-digits of Aadhaar Number), Letter issued by the National Population Register containing details of name and address, Job card issued by NREGA duly signed by an officer of the State Government, utility bill.
Income Proof Salaried	Salary Slip, Income tax return
Income Proof Self Employed	Registration certificate, CST/VAT/ GST certificate (provisional/final), Permanent Account Number or the equivalent e-document thereof or Form 60

BPCL SBI Card

Age Requirement Salaried	21 to 70 years
Age Requirement Self Employed	21 to 70 years
Minimum Credit Score	750

Age Requirement Salaried	21 to 70 years
Age Requirement Self Employed	21 to 70 years
Minimum Credit Score	750