SBI BPCL Credit Card 2025
Save up to ₹7,000+ every year on fuel at BPCL pumps, groceries, dining & daily spends!
If you fill fuel at BPCL petrol pumps regularly, the SBI BPCL Credit Card is a great co-branded fuel card for everyday savings!
You get 13X reward points (4.25% value back) on fuel at BPCL up to ₹4,000/transaction (3.25% points + 1% surcharge waiver), 6X points on groceries/department stores, 5X on dining/movies, 1X on other spends, instant redemption at 1,200+ BPCL outlets (no minimum), ₹500 welcome bonus (2,000 points), and low ₹499 fee waived on ₹50,000 annual spend.
Reward points = Real Value (1 point = ₹0.25) – redeem for fuel, vouchers or cashback easily!
Why This Is The Best Fuel Card for BPCL Users in 2025?
4.25% on BPCL fuel • 1% surcharge waiver up to ₹100/month • Instant redemption at pumps • 6X on groceries • 5X on dining/movies • Fee waiver on ₹50K spend • Add-on cards free.
Best for: Daily commuters, BPCL loyalists, families with grocery/fuel spends
Card At a Glance
₹499 + GST
₹499 + GST (Waived on ₹50K spend)
13X BPCL Fuel | 6X Groceries | 5X Dining
Points (1 pt = ₹0.25)
1% (up to ₹100/month)
Instant at BPCL Pumps
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (Waived on ₹50,000 spend) |
| Welcome Benefit | 2,000 Bonus Points (₹500 value) on joining fee payment |
| Rewards Redemption Fee | Zero (instant at pumps) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.75% per month |
| Fuel Surcharge Waiver | 1% on ₹500–₹4,000 txn (max ₹100/month) |
| Cash Advance Fee | 2.5% or ₹500 (whichever higher) |
Detailed Reward Rates (2025)
- 13X Reward Points on BPCL fuel up to ₹4,000/transaction (4.25% value: 3.25% points + 1% waiver)
- 6X Reward Points on groceries, department stores (up to ₹5,000/month)
- 5X Reward Points on dining, movies, entertainment
- 1X Reward Points on all other spends
- 1 point = ₹0.25 (redeem for fuel at BPCL, vouchers via Shop & Smile)
- No rewards on wallet loads, rent, government payments
- Instant redemption at 1,200+ BPCL outlets – no minimum points
Airport Lounge Access
No complimentary lounge access (focus on fuel savings, but add-ons eligible for family)
Insurance & Protection Benefits
- ₹2 Lakh lost card liability cover
- ₹1 Lakh air accident cover
- Zero liability on lost card (if reported immediately)
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 4.25% on BPCL fuel (13X points + waiver) | No lounge access |
| Instant redemption at pumps (no minimum) | 3.5% forex markup |
| Low ₹499 fee, easy waiver on ₹50K | Rewards capped on groceries (₹5K/month) |
| ₹500 welcome bonus + 6X groceries | No rewards on rent/wallet/govt spends |
| 5X on dining/movies + 1% waiver everywhere | Only for BPCL fuel users |
| Add-on cards free for family |
Eligibility Criteria & Documents Required
- Age: 21–60 years (salaried) | 21–65 years (self-employed)
- Minimum Annual Income: ₹4.5 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit SBI Card website and select BPCL Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹5,000+ monthly on BPCL fuel, this card saves ₹4,000–₹7,000 yearly with high fuel rewards, instant redemption & low fee. Great for commuters who stick to BPCL – simple, effective fuel saver. Recommended over generic cards for petrol heads!
Frequently Asked Questions (FAQs)
How much value on fuel?
4.25% (13X points worth 3.25% + 1% waiver) up to ₹4,000/transaction at BPCL.
Is the fee waived?
Yes, ₹499 waived on ₹50,000 annual spend.
Can I redeem instantly?
Yes, at 1,200+ BPCL pumps – no minimum points required.
Any lounge access?
No, but focus is on fuel savings (up to ₹1,200/year waiver).
What is the welcome bonus?
2,000 points (₹500 value) after paying joining fee.