SBI BPCL Credit Card Review

The sbi bpcl credit card is one of the many credit cards offered By the State Bank of India. It belongs to the SBI fuel credit card category. Targeting the huge Indian customer base, this card offers exclusive value-back points from every transaction, accelerated value backs on fuel purchase, and several other useful sbi bpcl credit card features. SBI claims that this card can offer you up to 70 liters of free fuel every year. More about the bpcl sbi credit card benefits are discussed below. 

Who can apply for the bpcl sbi credit card?

• Resident Type: Indian. 
• SBI bpcl credit card eligibility criteria for salaried person:
  • Age: 18 to 60 yrs. 
  • Income: Rs. 20,000 monthly. 
• BPCL sbi credit card eligibility criteria for self-employed person:
  • Age: 18 to 60 yrs. 
  • Income: Rs. 20,000 monthly. 
• A good CIBIL score (750 or more) is required to apply for this bpcl sbi credit card.

As you submit your sbi card application, you will get a unique application id. You can use that to track sbi credit card application status. 

What documents are required to apply for the bpcl sbi fuel card?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • Last 6 months bank account Statement
  • Aadhar Card 
  • Driving License 
  • Passport
  • Utility bill
• One recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Latest salary slip, (3 months) 
    • ITR (Income Tax Return) 
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business
    • Recently audited financial report.

As per the new rbi rules, all new sbi credit cards are delivered in an inactive state. The users can activate them manually by generating a new four-digit PIN. You can find more about the sbi credit card activation process from our faq page.

What are the sbi bpcl credit card fees?

• SBI bpcl credit card joining fee: Rs. 499 + GST
• BPCL sbi platinum credit card annual fee: Rs. 499 + GST

What are the benefits of sbi bpcl credit card?

• A huge joining bonus to welcome you:

After paying the joining fees you will get 2000 bonus sbi rewards worth Rs. 500, you will get these bonus reward points within 20 days of paying the joining fee. You can use these reward points for purchasing fuel from BPCL fuel stations or to get a product from the sbi card rewards catalog.

• Earn value back points from every translation:

For purchasing fuel from any bpcl petrol pumps with your SBI bpcl credit card, you can earn up to 13X reward points which is equivalent to 4.25% value back. You can avail of a maximum of 1300 reward points in a sbi bpcl credit card billing cycle.

• Get rewarded for every transaction you make:

This bpcl sbi card comes with a powerful reward scheme that can make your every transaction rewarding. 

Category of transaction	Rate of earning sbi bpcl credit card points
Grocery, Departmental stores, movies, and dining.	5X sbi credit card reward points for every Rs.100 transaction.
All other categories (excluding fuel)	1 sbi reward point for every Rs.100 transaction.

These sbi bpcl credit card points are redeemable and you can use these reward points for fuel purchases at selected BPCL petrol pumps or you can redeem them against the sbi bpcl credit card reward points redemption catalog.

• Enjoy freedom from fuel surcharges:

You can use your bpcl sbi contactless card to get up to 4.25% value back for fuel transactions, applicable on transactions up to Rs. 4,000. SBI claims that you can get up to 70 liters of free fuel every year.

• Make repayment easier with the Flexipay option:

By using flexipay you can convert your sbi bpcl platinum credit card transaction into an easy monthly installment. This feature is very helpful for frequent shoppers.

• A very useful bpcl sbi credit card balance transfer feature:

You can Transfer your other bank credit card outstanding to your sbi bank bpcl credit card and pay it back in EMIs with a lower interest rate. Make sure to check your available sbi bpcl credit card limit before applying for an EMI.

• Make life easier with convenient sbi card online bill payment options:

You can pay sbi credit card bill online from your net banking account or from your sbi card app. You can also do the same by using any credit card bill payment app like Cred, Google Pay, Paytm, Phone pe, etc. If you don’t like the sbi credit card online bill payment options, then make sure to visit our faq page to know about the offline sbi credit card bill payment methods.

• Global acceptance:

Your bpcl sbi platinum visa card is accepted throughout the world. You can use it at almost any outlet or e-commerce site to make payments.

What are the SBI bpcl card charges?

Particulars	Payable Amount
SBI card cash withdrawal charges.	2.5% against the withdrawal amount, minimum Rs. 500. Check your sbi bpcl credit card maximum limit before making a withdrawal.
SBI credit card finance charges.	The sbi bpcl credit card interest rate is 3.35% monthly.
SBI credit card international transaction charges.	3.5% against the transaction amount.
SBI credit card add on card fee.	None, free for a lifetime.

As per the new rules, online transactions on new credit cards are temporarily turned off. So if you are thinking about how to activate sbi credit card for online transactions? then feel free to take a look at our faq page.

How to contact the sbi bpcl credit card customer care department?

• SBI bpcl credit card customer care number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
• SBI credit card customer mail id: customercare@sbicard.com 

100xGain Ratings:

7/10

What are the pros and cons of the sbi bpcl fuel card?

Pros	Cons
The rate of earning sbi card rewards is very impressive. This sbi bpcl credit card offers a very good reward earning rate. You can use your value back points to purchase fuel from BPCL fuel stations.	This sbi bpcl platinum credit card doesn’t have any shopping or entertainment benefits. You will not get any dining benefits from this bpcl credit card.

If you want to close your credit card account, then visit our FAQ page to know how to cancel sbi credit card online?

Final Opinion:

Hopefully, this bpcl sbi credit card review has helped you to understand this card better. This card is specially designed for fuel-related benefits, there are some sbi bpcl credit card benefits like big reward benefits, which you can use to purchase fuel, Value back on fuel purchase, fuel surcharge waiver, Flexipay, balance transfer facility, etc. so if you want to earn benefits from fuel purchase, then this card can be a good option for you.

Otherwise, this sbi bpcl credit card will not be that much beneficial for you. In that case, you can take a look at the alternative card options given below. 

Alternative Cards: 

1. Canara rupay select credit card (Best for offering higher credit limit and reward points) 
2. HSBC visa platinum credit card (Best for dining and fuel surcharge waiver) 
3. Kotak Mahindra Solaris Platinum Credit Card (Best for reward point and fuel surcharge waiver)
4. Central sbi select plus card (Best for earning reward points)