SBI BPCL Credit Card: Features, Benefits, Fees & Charges

The SBI BPCL Credit Card offers strong value on fuel purchases at every BPCL station. In addition, you earn high rewards on dining, grocery, movies and day-to-day spends as well.

You also receive 2,000 bonus points worth ₹500 on paying the joining fee, which is ₹499 excluding taxes. This technically makes the card a free card.

This SBI card suits frequent fuel users who want simple benefits and low fuel costs. The card has crossed 2 million users in India since its launch.

Exclusive Benefits of SBI Bharat Petroleum Credit Card

You also get 3.25% valueback plus a 1% surcharge waiver on every BPCL fuel spend up to ₹4,000.

Other features that keep your fuel cost low each month are:

1. Fuel Freedom Benefits

The surcharge waiver stays capped at ₹100 per cycle, equal to ₹1,200 yearly savings. The offer applies to spends up to ₹4,000 with a limit of ₹10,000 per billing cycle. There is no minimum spend rule.

2. Other Benefits

You enjoy a fee waiver on yearly spends of ₹50,000. You can redeem reward points instantly at select BPCL pumps or use them at the Shop & Smile catalogue.

How to Redeem the BPCL Vouchers?

BPCL vouchers allow you to redeem your reward points for free fuel through the Hello BPCL app. The process stays simple and offers direct value to fuel users.

Step 1: Download the Hello BPCL app.

Step 2: Enter your mobile number and verify with OTP.

Step 3: Open the Personal tab and activate the SmartDrive wallet.

Step 4: Go to ‘Rewards’ and choose ‘Add a Corporate Gift Voucher’.

Step 5: Enter the 16-digit code and update your wallet.

Step 6: Visit any BPCL pump and approve the payment through OTP.

The vouchers work only in the Hello BPCL app. Once added to the SmartDrive wallet, the balance stays active until full use.

SBIC holds no responsibility for voucher issues at BPCL outlets.

Additional SBI BPCL Credit Card Benefits and Features

The most basic privilege of this SBI Fuel card is that it works at 24 million outlets globally and 3,25,000 outlets in India.

However, that is not all! 

The SBI BPCL credit card shares these common features with other SBI credit cards: 

1. Reward Benefits

You earn 5 reward points per ₹100 on dining, grocery, departmental stores and movies, up to 5,000 points each month. All other eligible retail spends earn 1 point per ₹100.

2. Contactless Advantage

Tap your card at a secure terminal for quick payment. The system allows only one valid transaction, which prevents fraud. You can use your card at all VISA or Mastercard outlets.

3. Add-on Cards

Give add-on cards to parents, spouse, children or siblings above 18 years. Each add-on card offers the same benefits.

4. Bill Pay, Balance Transfer and Flexipay

Pay utility bills through Easy Bill Pay. Transfer dues from other cards at lower rates and repay in EMIs. Convert spends above ₹2,500 into simple EMIs through Flexipay.

BPCL SBI Card Fees and Charges

Just like the joining fee, the renewal fee is also ₹499, excluding taxes. However, the annual fee is waived off if the total spends in the preceding year is ₹50,000.

The other charges applicable to this card are:

Parameters	Amount
Finance Charges	3.75% monthly (45% annually)
Card Replacement	₹100-250
Cheque Payment	₹200
Overlimit Fee	2.5% or ₹.600, whichever is higher.
Late Payment	NIL till ₹500.₹400 for ₹501-1,000.₹750 for ₹1,001-10,000.₹950 for ₹10,001-25,000.₹1,100 for ₹25,001-50,000.₹1,300 for above ₹50,000.

Do not ever pay late payment charges again. Link your SBI BPCL credit card with the PICE App and manage your credit card payments seamlessly!

Tips to Save Money on Fuel with the SBI BPCL Credit Card

This SBI petrol card stands out due to strong fuel savings, simple reward use and daily spend benefits. Use these tips to maximise your savings:

• Avoid split payments, as single eligible transactions give higher value.
• Redeem points often to avoid any loss.
• Clear your bill on time to prevent extra charges.
• Use this card for fuel alone to track rewards with ease.

Using more than one credit card for different purposes and struggling to keep track of them? Download the PICE App now and manage multiple credit cards from a single dashboard!

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