Overview of the BPCL SBI Credit Card

The BPCL SBI Credit Card offers a range of benefits and features that make it an attractive option for cardholders. Let's take a closer look at the welcome benefits and other benefits that come with this card.

Welcome Benefits

• Activation Bonus Points: Upon payment of the joining fee, cardholders receive 2,000 bonus reward points worth ₹500, credited after 20 days of the payment.
• Annual Fee Waiver: The annual fee of ₹499 is waived if the cardholder spends ₹50,000 or more on the credit card during the anniversary year.

Other Benefits

• Fuel Savings:
  • 25% Value Back on BPCL fuel outlet purchases, which includes 3.25% reward points and a 1% fuel surcharge waiver on transactions up to ₹4,000 (exclusive of GST and other charges).
  • Maximum fuel surcharge waiver of ₹100 per billing cycle, translating to annual savings of ₹1,200.
• Reward Points:
  • 13X reward points on fuel spending at BPCL petrol pumps.
  • 5X reward points for every ₹100 spent on meals, grocery, movie tickets, and departmental store purchases.
  • 1 reward point for every ₹100 spent on non-fuel retail purchases.
• Fuel Surcharge Waiver: Up to ₹100 per month fuel surcharge waiver at BPCL fuel outlets across the country.
• EMI and Balance Transfer:
  • Option to convert purchases of more than ₹2,500 into Easy EMI via Flexipay.
  • Facility to transfer outstanding balances from other credit cards to the BPCL SBI Credit Card with lower interest rates and simple EMI payments.
• Additional Benefits:
  • Instant redemption of reward points for free fuel at over 1,200 authorised BPCL retail outlets or via BPCL fuel vouchers, valid for six months.
  • Contactless technology, worldwide acceptance, and 24-hour customer assistance services.
• Family Benefits: Add-on card facility available for family members, including spouses, parents, and children (over the age of 18).
• Convenience Features: Easy bill payment facility, mBUY for shopping on the go, and insurance options such as health, personal accident, motor, travel, and home insurance.

• Fuel Benefits: Earn an impressive 4.25% Value Back on fuel purchases at BPCL outlets, equivalent to 13 reward points per ₹100 spent, with a maximum of 1300 Reward Points per billing cycle. Enjoy a fuel surcharge waiver of up to ₹100 per month on transactions up to ₹4,000 (exclusive of GST and other charges).
• Reward Points: Accumulate 1 reward point for every ₹100 spent on non-fuel items. Earn 5x reward points (5 points per ₹100) on dining, grocery, movie tickets, and departmental store purchases, with a cap of 5,000 reward points per month.
• Welcome Bonus: Receive a generous 2,000 bonus reward points worth ₹500 upon payment of the joining fee, credited after 20 days.
• Redemption Options: Redeem reward points instantly for free fuel at select BPCL outlets or through BPCL fuel vouchers, with no minimum threshold for redemption.

Additional Benefits: Save up to 70 litres of fuel per year, enjoy acceptance at over 24 million locations worldwide, and manage your account easily through the website and mobile app.

• 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

Your BPCL SBI Credit Card offers various options for redeeming your reward points, making it easy to enjoy the benefits of your card usage.

Redeeming for Fuel

• Instant Redemption at BPCL Outlets: You can instantly redeem your reward points for complimentary fuel at participating BPCL retail outlets throughout the country. There is no minimum requirement for the number of reward points needed for this redemption.
• BPCL Fuel Vouchers: Another option is to redeem your reward points for BPCL fuel vouchers, which can be used to purchase fuel at BPCL

Redeeming Through Shop n Smile

• Lifestyle, Leisure, and Travel Products: SBI Card's exclusive Reward Point Program, Shop n Smile, allows you to redeem your reward points for a wide range of products in lifestyle, leisure, and travel categories from popular brands. To redeem your points, simply log on to the SBI Card website or contact the SBI Card Helpline Number.

General Redemption Process

• Access Your Account: Sign in to your SBI Card account through the website or the SBI Card app.
• Go to Rewards Section: Navigate to the rewards or points redemption section of your account.
• Choose Redemption Option: Select your preferred redemption option, whether it's redeeming points for fuel, through Shop n Smile, or any other available choice.
• Finalise Redemption: Follow the on-screen prompts to complete your redemption. There is no minimum threshold for redeeming reward points.

By following these simple steps, you can make the most of your BPCL SBI Credit Card and enjoy the rewards you've earned through your card usage.