If you’re someone who hits the fuel station often—especially Bharat Petroleum (BPCL)—and wants to turn every drop of petrol into cashback, the SBI BPCL RuPay Credit Card might just be your wallet’s new best friend. Tailored for the everyday commuter and road warrior alike, this co-branded credit card packs serious perks like accelerated reward points, exclusive fuel surcharge waivers, and seamless RuPay UPI compatibility. Whether you’re looking to save on fuel, dine smarter, or get rewarded for routine spending, this card offers unmatched value where it matters most. Let’s explore why this card deserves a spot in your pocket.
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How to Apply for SBI BPCL RuPay Credit Card Online – Step-by-Step Guide
Applying for this fuel-saver credit card is simple and takes just a few minutes. Follow the steps below:
| Step | Description |
|---|---|
| Step 1 | Visit the official SBI Card website |
| Step 2 | Go to the “Credit Cards” section and select “BPCL SBI Card RuPay” |
| Step 3 | Click on “Apply Now” and fill in your basic details like name, mobile number, and email ID |
| Step 4 | Provide PAN, Aadhar, and income details |
| Step 5 | Upload necessary documents (ID proof, address proof, income proof) |
| Step 6 | Complete the video KYC (if prompted) |
| Step 7 | Submit the application and wait for confirmation via SMS/email |
Pro Tip: Check out our detailed comparison blog on Top Fuel Credit Cards in India to see how this one stack up!
Key SBI BPCL RuPay Credit Card Benefits at a Glance
| Feature | Details |
|---|---|
| Welcome Benefit | 2,000 bonus reward points (worth Rs. 500) on spending Rs. 4,000 in 60 days |
| Fuel Surcharge Waiver | 1% waiver on fuel surcharge (on spends between Rs. 500 – Rs. 4,000 at BPCL) |
| Cashback on Fuel | 13X Reward Points on fuel purchases at BPCL (up to 3.25% value back) |
| Other Rewards | 5X Reward Points on groceries, dining & movies |
| Annual Fee | Rs. 499 (waived on annual spend of Rs. 50,000) |
How to Redeem Reward Points from SBI BPCL RuPay Credit Card
Reward points can be redeemed for a variety of products, vouchers, and even fuel purchases. Here’s how to do it:
Online Redemption via SBI Card Portal
- Log in to your SBI Card account
- Go to the Rewards section
- Choose “Redeem Rewards” and browse through categories
- Select a product, voucher, or BPCL fuel redemption
- Confirm your redemption, and you’re done!
You can also redeem points at select BPCL outlets directly:
- Swipe your card at the POS
- Ask for point redemption
- The bill amount will be adjusted against available points
Quick Tip: 4 Reward Points = Rs. 1 for BPCL fuel purchases
Want more redemption tricks? Visit our in-depth guide on 5 Expert Tips to Use SBI UPI Credit Card Wisely.
Beginner’s Tips to Maximize Fuel Cashback with SBI BPCL RuPay Credit Card
- Always Refuel at BPCL Stations: To earn 13X reward points, make sure you refuel only at Bharat Petroleum petrol pumps.
- Use for Groceries and Dining: Get 5X reward points on other key spending categories. This adds up quickly!
- Keep Track of Monthly Cap: Cashback and reward points are capped monthly. Use the card smartly to stay within the limits.
- Pay in Full, On Time: Avoid interest charges by paying your dues on time.
- Link to UPI via RuPay: Use the card with UPI-enabled apps (like BHIM or Paytm) to make quick payments and earn rewards.
- Track Your Statements Regularly: Monitor your points and benefits through the SBI Card app or website.
Read our blog: 12 Dangerous Credit Card Mistakes to Avoid for smarter savings!
Can You Use SBI BPCL RuPay Credit Card at Non-BPCL Fuel Stations?
Yes, the SBI BPCL RuPay Credit Card can technically be used at any fuel station that accepts RuPay cards—but here’s the catch:
You won’t earn the 13X reward points or enjoy the maximum cashback benefits unless you’re refueling specifically at BPCL fuel outlets.
So, while it’s flexible for general use, the card’s full potential is unlocked only at BPCL pumps. If you’re someone who fuels up at different providers like Indian Oil or HP, you might want to check our comparison guide for cards better suited to your needs.
Pro Tip: Even if you use it occasionally at other fuel stations, it’s best to keep this card dedicated for BPCL transactions to optimize your reward value.
Pros & Cons of SBI BPCL RuPay Credit Card
| Pros | Cons |
|---|---|
| High fuel cashback (up to 3.25%) | Reward redemption only on SBI portal/BPCL |
| No surcharge on fuel at BPCL | Reward points capped monthly |
| 5X rewards on groceries and dining | Limited acceptance vs Visa/Mastercard (in some cases) |
| Easy online application & UPI support | Annual fee unless spending Rs. 50,000+ |
FAQs about SBI BPCL RuPay Credit Card Benefits
Q1. Is the SBI BPCL RuPay Credit Card good for non-fuel expenses?
Yes, you get 5X reward points on groceries, dining, and movies.
Q2. Can I use this card for UPI payments?
Absolutely! Being a RuPay card, it’s UPI-compatible on apps like Paytm, PhonePe, and BHIM.
Q3. How long do reward points remain valid?
Reward points are valid for 2 years from the date of accumulation.
Q4. Is there any joining bonus?
Yes, you get 2,000 bonus reward points worth Rs. 500 on spending Rs. 4,000 within 60 days.
Q5. Can I waive the annual fee?
Yes, the annual fee of Rs. 499 is waived on spending Rs. 50,000 in a year.
Q6. Can I apply without a physical visit to the bank?
Yes, the entire process is online with e-KYC and video verification.
Q7. Does the card work at non-BPCL fuel stations?
Yes, it works anywhere RuPay is accepted, but you won’t earn the same fuel rewards unless you use it at BPCL pumps.
The SBI BPCL RuPay Credit Card is ideal for anyone who regularly fuels up at BPCL outlets and wants consistent rewards and savings. It’s easy to apply for, supports UPI for modern convenience, and offers multiple lifestyle benefits beyond just fuel.
Want to compare before you commit? Read: SBI UPI Credit Card vs SimplyCLICK SBI Card
Apply Now and get special welcome bonuses + faster approval!
Happy Saving & Safe Driving! 🚗🌟
