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INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).
🏛️State Bank of India (SBI Card)Network: Visa / RuPayFuel CardsLast Verified: 2026-09-28

BPCL SBI Card

बीपीसीएल एसबीआई कार्ड

Entry-level fuel credit card offering 4.25% value back at BPCL pumps, 2,000 welcome points, and renewal fee waiver on spending ₹50,000.

Annual Fee₹499 + GST (Renewal: ₹499 + GST)
Reward Rate13X Reward Points (3.25% value back) on fuel purchases at BPCL petrol pumps. 5X Reward Points on Groceries, Departmental Stores, Movies, and Dining. 1 Reward Point per ₹100 on other retail.
Airport LoungeNo complimentary airport lounge access.
Forex Markup3.50% + GST.
01

What Is This Card

BPCL SBI Card is an affordable entry-level fuel credit card designed for two-wheeler owners, daily city car commuters, and small business owners looking to reduce fuel costs with a low annual fee of ₹499 and an easily achievable ₹50,000 spend-waiver threshold.

02

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹499 + GST (Renewal: ₹499 + GST)

Fee Waiver: Spend ₹50,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.

🎁Welcome Benefit

2,000 bonus Reward Points (worth ₹500) credited upon payment of the joining fee.

⚡Reward Points Structure

13X Reward Points (3.25% value back) on fuel purchases at BPCL petrol pumps. 5X Reward Points on Groceries, Departmental Stores, Movies, and Dining. 1 Reward Point per ₹100 on other retail.

Redemption Value: 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Instant redemption for fuel at BPCL outlets.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Fraud liability coverage up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at BPCL petrol pumps (maximum ₹100 per billing cycle). Delivers 4.25% total value back.

🎯Milestone Spends & Grace Period

Milestones: Annual fee reversal on ₹50,000 annual spend.

Interest-Free Period: 20 to 50 days.

03

What's Missing (Eligo's Honest Disclosures)

!

Fine-Print Exclusions & Realistic Costs

Fuel reward points are capped at 1,300 points per billing cycle (₹10,000 spend). Surcharge waiver capped at ₹100 per cycle. No airport lounge access.

Forex Markup Fee3.50% + GST.
Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month.
Finance Charges (Interest)Up to 3.50% per month (42.00% per annum).
Late Payment SlabsNil up to ₹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.
Reward Points ExpiryReward points expire 24 months (2 years) from the date of accrual.
Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions at non-BPCL outlets, rent, wallet reload, and government services.
04

Eligibility Criteria

Salaried or self-employed individuals aged 21 to 70 years.

Age Requirement21 to 70 Years
Minimum Income₹2,40,000 per annum (Salaried) / ₹3,60,000 per annum (Self-Employed ITR)
CIBIL Score NoteRecommended CIBIL score of 700+.
SBI RelationshipNot required.
05

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select BPCL SBI Card.
2Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score).
3Fill online application form with personal, residence, and occupational details (takes 5–10 minutes).
4Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof).
5Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants).
6Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

Branch Application for Offline Applicants

Visit any SBI branch with PAN and Aadhaar for in-person application.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)
06

Documents Required

1. PAN Card
2. Aadhaar Card / Voter ID
3. Recent salary slip or ITR copy.
07

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on BPCL SBI Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹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.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on BPCL SBI Card into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on BPCL SBI Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Instant redemption for fuel at BPCL outlets. Please note: Reward points expire 24 months (2 years) from the date of accrual.
What is the interest-free grace period on BPCL SBI Card and how does it work?
The interest-free period on BPCL SBI Card is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.
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