{"id":82524,"date":"2025-12-09T20:10:07","date_gmt":"2025-12-09T14:40:07","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=82524"},"modified":"2025-12-09T20:56:47","modified_gmt":"2025-12-09T15:26:47","slug":"sbi-bpcl-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/sbi-bpcl-credit-card\/","title":{"rendered":"SBI BPCL Credit Card: Features, Benefits, Fees &amp; Charges"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 4.25% valueback at BPCL pumps.<\/li>\n\n\n\n<li>Get 1,300 reward points each billing cycle.<\/li>\n\n\n\n<li>Receive 2,000 bonus points worth \u20b9500 after the joining fee.<\/li>\n\n\n\n<li>Save \u20b91,200 yearly through the surcharge waiver.<\/li>\n\n\n\n<li>Use rewards instantly at select BPCL fuel stations.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The <strong>SBI BPCL Credit Card<\/strong> 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.<\/p>\n\n\n\n<p>You also receive 2,000 bonus points worth \u20b9500 on paying the joining fee, which is \u20b9499 excluding taxes. This technically makes the card a free card.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#exclusive-benefits-of-sbi-bharat-petroleum-credit-card\">Exclusive Benefits of SBI Bharat Petroleum Credit Card<\/a><\/li><li><a href=\"#how-to-redeem-the-bpcl-vouchers\">How to Redeem the BPCL Vouchers?<\/a><\/li><li><a href=\"#additional-sbi-bpcl-credit-card-benefits-and-features\">Additional SBI BPCL Credit Card Benefits and Features<\/a><\/li><li><a href=\"#bpcl-sbi-card-fees-and-charges\">BPCL SBI Card Fees and Charges<\/a><\/li><li><a href=\"#tips-to-save-money-on-fuel-with-the-sbi-bpcl-credit-card\">Tips to Save Money on Fuel with the SBI BPCL Credit Card<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"exclusive-benefits-of-sbi-bharat-petroleum-credit-card\"><strong>Exclusive Benefits of SBI Bharat Petroleum Credit Card<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"252\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/SBI-BPCL-Credit-Card.webp\" alt=\"SBI BPCL Credit Card\" class=\"wp-image-82744 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/SBI-BPCL-Credit-Card.webp 400w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/SBI-BPCL-Credit-Card-300x189.webp 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/SBI-BPCL-Credit-Card-150x95.webp 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>This SBI Fuel card gives 4.25% valueback, equal to 13x reward points, on fuel purchase at BPCL pumps. <\/p>\n\n\n\n<p>You receive up to 1,300 reward points each billing cycle.<\/p>\n<\/div><\/div>\n\n\n\n<p>You also get 3.25% valueback plus a 1% surcharge waiver on every BPCL fuel spend up to \u20b94,000.<\/p>\n\n\n\n<p>Other features that keep your fuel cost low each month are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Fuel Freedom Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The surcharge waiver stays capped at \u20b9100 per cycle, equal to \u20b91,200 yearly savings. The offer applies to spends up to \u20b94,000 with a limit of \u20b910,000 per billing cycle. There is no minimum spend rule.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Other Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You enjoy a fee waiver on yearly spends of \u20b950,000. You can redeem <a href=\"https:\/\/angelone.in\/finance-wiki\/credit-cards\/reward-points\" target=\"_blank\" rel=\"noopener\">reward points<\/a> instantly at select BPCL pumps or use them at the Shop &amp; Smile catalogue.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-redeem-the-bpcl-vouchers\"><strong>How to Redeem the BPCL Vouchers?<\/strong><\/h2>\n\n\n\n<p>BPCL vouchers allow you to <a href=\"https:\/\/www.sbicard.com\/sbi-card-en\/assets\/docs\/pdf\/Steps-to-Use-BPCL-Fuel-E-Voucher.pdf\" target=\"_blank\" rel=\"noopener\">redeem your reward points<\/a> for free fuel through the Hello BPCL app. The process stays simple and offers direct value to fuel users.<\/p>\n\n\n\n<p><strong>Step 1:<\/strong> Download the Hello BPCL app.<\/p>\n\n\n\n<p><strong>Step 2:<\/strong> Enter your mobile number and verify with OTP.<\/p>\n\n\n\n<p><strong>Step 3:<\/strong> Open the Personal tab and activate the SmartDrive wallet.<\/p>\n\n\n\n<p><strong>Step 4:<\/strong> Go to \u2018Rewards\u2019 and choose \u2018Add a Corporate Gift Voucher\u2019.<\/p>\n\n\n\n<p><strong>Step 5:<\/strong> Enter the 16-digit code and update your wallet.<\/p>\n\n\n\n<p><strong>Step 6:<\/strong> Visit any BPCL pump and approve the payment through OTP.<\/p>\n\n\n\n<p>The vouchers work only in the Hello BPCL app. Once added to the <a href=\"https:\/\/www.dailyexcelsior.com\/bpcl-launches-smartdrive-payment-app\/\" target=\"_blank\" rel=\"noopener\">SmartDrive wallet<\/a>, the balance stays active until full use.<\/p>\n\n\n\n<p>SBIC holds no responsibility for voucher issues at BPCL outlets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"additional-sbi-bpcl-credit-card-benefits-and-features\"><strong>Additional SBI BPCL Credit Card Benefits and Features<\/strong><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>However, that is not all!&nbsp;<\/p>\n\n\n\n<p>The<strong> SBI BPCL credit card<\/strong> shares these common features with other <a href=\"https:\/\/piceapp.com\/blogs\/sbi-lifetime-free-credit-card\/\">SBI credit cards:\u00a0<\/a><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Reward Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You earn 5 reward points per \u20b9100 on dining, grocery, <a href=\"https:\/\/www.britannica.com\/money\/department-store\" target=\"_blank\" rel=\"noopener\">departmental stores<\/a> and movies, up to 5,000 points each month. All other eligible retail spends earn 1 point per \u20b9100.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Contactless Advantage<\/strong><\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Add-on Cards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Give add-on cards to parents, spouse, children or siblings above 18 years. Each add-on card offers the same benefits.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Bill Pay, Balance Transfer and Flexipay<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Pay utility bills through Easy Bill Pay. Transfer dues from other cards at lower rates and repay in EMIs. Convert spends above \u20b92,500 into simple EMIs through Flexipay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bpcl-sbi-card-fees-and-charges\"><strong>BPCL SBI Card Fees and Charges<\/strong><\/h2>\n\n\n\n<p>Just like the joining fee, the renewal fee is also \u20b9499, excluding taxes. However, the annual fee is waived off if the total spends in the preceding year is \u20b950,000.<\/p>\n\n\n\n<p>The other charges applicable to this card are:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Amount<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.75% monthly (45% annually)<\/td><\/tr><tr><td>Card Replacement<\/td><td>\u20b9100-250<\/td><\/tr><tr><td>Cheque Payment<\/td><td>\u20b9200<\/td><\/tr><tr><td>Overlimit Fee<\/td><td>2.5% or \u20b9.600, whichever is higher.<\/td><\/tr><tr><td>Late Payment<\/td><td>NIL till \u20b9500.\u20b9400 for \u20b9501-1,000.\u20b9750 for \u20b91,001-10,000.\u20b9950 for \u20b910,001-25,000.\u20b91,100 for \u20b925,001-50,000.\u20b91,300 for above \u20b950,000.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Do not ever pay late payment charges again. Link your <\/em><strong><em>SBI BPCL credit card<\/em><\/strong><em> with the PICE App and manage your <\/em><a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\"><em>credit card payments<\/em><\/a><em> seamlessly!<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tips-to-save-money-on-fuel-with-the-sbi-bpcl-credit-card\"><strong>Tips to Save Money on Fuel with the SBI BPCL Credit Card<\/strong><\/h2>\n\n\n\n<p>This <strong>SBI petrol card<\/strong> stands out due to strong fuel savings, simple reward use and daily spend benefits. Use these tips to maximise your savings:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoid split payments, as single eligible transactions give higher value.<\/li>\n\n\n\n<li>Redeem points often to avoid any loss.<\/li>\n\n\n\n<li>Clear your bill on time to prevent extra charges.<\/li>\n\n\n\n<li>Use this card for fuel alone to track rewards with ease.<\/li>\n<\/ul>\n\n\n\n<p>Using more than one credit card for different purposes and struggling to keep track of them? <em>Download the <\/em><a href=\"https:\/\/piceapp.com\/\"><em>PICE App<\/em><\/a><em> now and manage multiple credit cards from a single dashboard!<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1765262665441\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I withdraw cash using my SBI BPCL credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can withdraw cash at any ATM. This counts as a cash advance. Fees and interest start from the withdrawal date and you do not get any reward points.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765262715831\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I upgrade to another SBI credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can upgrade only if you meet the eligibility rules. The Card Upgrade option appears after login. You just have to follow the steps and submit your request.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765262728832\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I apply for an SBI BPCL add-on card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Apply while submitting your main card form or after login. Visit the \u2018Services\u2019 tab and complete the add-on card form. Submit KYC documents for approval.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765262743200\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Why is my credit limit unchanged after the upgrade?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The credit limit stays the same even after an upgrade. This follows SBICPSL rules. The card type changes, but the approved limit does not.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765262760499\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Why is the old card fee not reversed post upgrade?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The old card fee stays active if you move to a higher variant. Annual fee applies only once a year. The upgraded card fee follows its own cycle<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways: 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 \u20b9500 on paying the joining fee, which is \u20b9499 excluding taxes. This technically makes the card [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":82827,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-82524","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82524","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=82524"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82524\/revisions"}],"predecessor-version":[{"id":82817,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82524\/revisions\/82817"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/82827"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=82524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=82524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=82524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}