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SBI CardFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
13 points per ₹100 on BPCL fuel (3.25% value), 5 points per ₹100 on grocery/dining/movies (1.25% value), 1 point per ₹100 on other spends (0.25% value)
Points can be redeemed for free fuel at BPCL outlets or vouchers; 1 point = ₹0.25. Fuel reward cap 1,300 points per statement cycle.
The privileges that come bundled in, beyond the reward points.
Fuel surcharge waiver 1% up to ₹100 per month
Accelerated 13X reward points on BPCL fuel
5X reward points on grocery, dining, movies and departmental stores
An honest read on where this card earns its keep — and where it doesn't.
Great reward points on BPCL fuel
Low joining cost of ₹499
No lounge access
No insurance benefits
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI Card before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of SBI Card are often approved on slightly lower scores.
Everything you need to know about SBI BPCL Credit Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for SBI BPCL Credit Card is nominal, and the annual renewal fee is ₹499 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for SBI BPCL Credit Card from SBI Card, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
SBI BPCL Credit Card is designed to reward everyday spends. It currently features: "Not verified from configured sources". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via SBI Card's rewards portal.
SBI BPCL Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.
You can apply for SBI BPCL Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
