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The SBI BPCL Credit Card is a co-branded fuel credit card offered by SBI in partnership with Bharat Petroleum (BPCL). Designed for anyone who spends regularly at BPCL petrol pumps, it turns every fill into tangible savings. With accelerated reward points on fuel purchases, a straightforward fee structure, and a redemption process that works directly at the pump, it is a practical addition to your wallet — not just another piece of plastic.
A credit card EMI calculator helps you plan large purchases by breaking down the total cost into manageable monthly payments. You enter the purchase amount, the interest rate, and your preferred repayment tenure. The tool instantly displays the monthly EMI, total interest payable, and the overall amount you’ll pay. It’s a practical way to compare different repayment timelines and choose one that fits your monthly budget without any guesswork. Use the Credit Card EMI Calculator before you buy to stay in control of your spending.
Applying for the SBI BPCL Credit Card is a fully digital process that takes under 15 minutes. You can start on the SBI Card website or through a partner platform like Airtel Finance, which connects you to the issuing bank. Also make sure to thcek thecredit card eligibility before you decide to proceed with the application of this card.
The application process requires basic personal details — name, date of birth, PAN, mobile number, and email. You also need to provide employment information and income details. Once submitted, SBI Card runs a preliminary eligibility check and gives an instant decision in most cases. If you are looking for SBI BPCL credit card apply, the process is simple and digital.
Required documents include a scanned copy of your PAN card, address proof (Aadhaar, passport, or utility bill), and the latest salary slip or ITR. Self-employed applicants should submit the most recent ITR and bank statements for the last three months. Before starting SBI BPCL card apply, keep these documents ready.
Document verification is handled electronically. SBI Card validates KYC details against government databases. In some cases, a physical verification or video KYC may be requested. The BPCL SBI credit card SBI variant is processed similarly, with the same verification steps.
Approval considerations hinge on your credit score, income stability, and existing debt obligations. A CIBIL score of 750 or above improves your chances. The final credit limit assigned depends on SBI Card's internal assessment of your repayment capacity. Checking SBI BPCL credit card eligibility beforehand helps set the right expectations.
Additionally, note these important points:
The BPCL SBI Credit Card rewards fuel spending in ways that most general-purpose cards overlook. Here is what sets it apart:
The BPCL SBI Credit Card rewards fuel spending in ways that most general-purpose cards overlook. Here is what sets it apart:
Accelerated reward points on BPCL fuel purchases — Earn 13X reward points on every ₹100 spent at BPCL outlets while spending with BPCL credit card SBI, translating to a 4.25% value back on fuel transactions.
Fuel surcharge waiver — A 1% fuel surcharge is waived on transactions up to ₹4,000 at BPCL pumps, capped at ₹100 per billing cycle.
Welcome bonus — Receive 2,000 reward points on card activation and first transaction, worth approximately ₹500 in fuel.
Milestone benefits — Spend ₹1 lakh annually and get 2,000 bonus reward points.
Annual fee waiver — The renewal fee is waived when annual spends cross ₹50,000.
Global acceptance — Accepted at millions of Visa merchant outlets. Contactless payments — Tap-and-pay functionality for quick, secure transactions.
Review the fee structure and charges associated with the BPCL SBI Credit Card to plan your expenses effectively.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 + GST |
| Renewal Fee | ₹499 + GST (waived if ₹50,000 spent in the anniversary year) |
| Interest Rate | 42% per annum |
| Late Payment Fee | ₹400 - ₹1,300 (depending on the outstanding amount) |
| Foreign Transaction Fee | Nil |
| Balance Transfer Fee | Applicable |
| Cheque Dishonour Fee | ₹500 |
Applicants must fulfil the eligibility criteria set by the State Bank of India, which typically includes income requirements and credit score checks.
Submit identification proof, salary slip, PAN card, address proof, and a recent photograph.
Apply online via the SBI Card website under 'Personal > Credit Cards > Apply Now' or visit a branch.
Family members including spouses, parents, and children (over 18 years) can be added as cardholders.
Once your BPCL SBI Credit Card arrives, activating it takes only a few minutes. Choose from the available options below.
Visit sbicard.com, log in, navigate to 'Card Activation', and input your card details to activate.
Call customer care using the number on the back of your card or use an ATM with your PIN.
Download the SBI Card app, sign in, find the activation section, and follow the on-screen instructions.
Your BPCL SBI Credit Card offers various options for redeeming your reward points conveniently.
Instantly redeem points for complimentary fuel at participating BPCL outlets with no minimum points requirement.
Redeem points for lifestyle, leisure, and travel products via the SBI Card website or helpline.
Sign in to your account, head to the rewards section, select your preferred redemption, and finalise.
Earn up to 25% cashback on Airtel Mobile, Broadband & DTH recharges through Airtel App.
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