BPCL SBI Card is a co-branded fuel credit card jointly launched by SBI Card and Bharat Petroleum Corporation Ltd (BPCL).
The credit card offers a wide range of rewards and benefits not just on purchases of fuel but also groceries, departmental stores, dining, and entertainment.
Features and Benefits of BPCL SBI card
The BPCL SBI card offers a wide range of features and benefits which include:
Annual fuel savings of 70 liters
Surcharge waiver of up to Rs.100 per month which amounts to Rs.1200 annually at BPCL petrol pumps anywhere in the country
Reward points of 4 equivalent to Rs.1 of free fuel
Reward points for free fuel can be redeemed at more than 1200 select BPCL outlets or through vouchers
Reward points can also be redeemed through SBI's Shop n Smile Program on travel, leisure, and lifestyle products
Reward points on purchases on entertainment, dining, groceries, and departmental stores
No minimum threshold of reward points required for redemption
Card can be used internationally at over 24 million outlets
Any MasterCard or Visa outlet accepts the card
Easy Bill Pay facility for utility payments
Add-on cards available for family members
Balance transfer from other credit cards to BPCL SBI card available with lower interest rates and easy EMI payments
Transactions above Rs.2500 can be converted into easy EMI with FlexiPay
Cheque or draft against cash limit available
Easy management of account through website and mobile app
BPCL SBI Card - Fees and Charges
The fees and charges applicable for the co-branded fuel credit card are listed below
One-time annual fee
Rs.499 (Applicable from second year and is reversible if the spend in first year equals or exceeds Rs.50,000)
Add-on card fee
Extended credit charges
An interest free repayment period of 25-50 days is available for all retail purchases, provided the outstanding dues from the previous month are cleared
An interest rate of up to 3.35% per month is applicable from the date of transaction for all the uncleared dues
Minimum amount due will be 5% of the total outstanding with a minimum of Rs.200. All the EMIs pertaining to EMI-based loans will be included in the minimum due.
Cash advance and fee
A cash advance limit of up to 80% of the credit limit with a maximum of Rs.12,000 per day is available with no interest free period
Cash withdrawn from SBI and other bank ATMs will attract a cash advance fee of 2.5% of the transaction amount, subject to a minimum of Rs.300
Cash advances from international ATMs will attract an advance fee of 3% of the transaction amount with a minimum of Rs.300.
Late payment fee
Total Amount Due (Rs.)
0 - 200
201 - 500
501 - 1,000
1,000 - 10,000
Greater than 10,000
Cheque pickup fee
Statement retrieval fee
Rs.100 per statement (more than 2 months old)
Charge slip retrieval fee
Rs.225 per charge slip
Card replacement charge
Rewards redemption fee
Up to Rs.99
Payment dishonour fee
2% of the payment amount, subject to a minimum of Rs.450
Cash payment fee
Emergency card replacement in abroad
Over limit fee
2.5% of the over limit amount (min. Rs.500)
Foreign currency transaction fee
1.99% conversion mark-up
For railway tickets purchased through IRCTC counters, a fee of Rs.30 and 2.5% of the transaction amount will be charged
For railway tickets booked using IRCTC online portal, 1.8% of the transaction amount and service charge will be levied
Check Eligibility and Apply for BPCL SBI Credit Card
Individuals who wish to apply for BPCL SBI credit card can check their eligibility using the 'SBI Card' website or by contacting the SBI Card helpline at 3902020.
To check online follow the steps mentioned below
Visit 'SBI Card' website
Click 'Personal > Credit Cards > Apply Now'
A new page with different categories will be displayed, select 'Travel & Fuel Cards' to see BPCL SBI Card
Click 'Apply Now' button under the card details to visit the application page
Fill the required fields and click 'Next Step'
Once the details are submitted, you will receive an instant decision from the bank about your eligibility for the card.
If you're eligible for the card, your credit limit will be displayed online, which means you application has been approved online.
The bank executives will approach you in next two working days and will inform you about the required documents and set an appointment to collect the same from you. Once the documents are submitted, the bank will take up to 21 days to process the application.
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