SBI Bharat Petroleum Credit Card (BCPL) Apply Online: Rs 2016 Rewards
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- The applicant should be 25-50 yrs Male/Female, CIBIL Score should be 780+ and Minimum salary bracket range 3Lac+
- for thoes who does not have any credit score or any credit history these applications are not allowed.
- Customer should use Aadhar linked mobile number only to apply for credit cards.
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and or rejection of cashback.
- New to Bank refers to customers who are completely new to SBI Bank.
- Existing to Bank refers to customers who have an account with SBI Bank but do not yet hold a credit card.
- Cashback will be rejected if your Application is Rejected or your card is not delivered
- Clear the cookies before going ahead with the transaction.
- Issuance of credit card is at the sole discretion of the respective bank
- Transactions reported for missing cashback after the 3rd of the following month cannot be considered, so we recommend raising the missing cashback query before the 3rd of the following month.
- For example, the transaction dated 1st to 31st August is missing and should be reported before 3rd September.
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- Make sure you don't have Chrome extensions or Adblocker installed on your machine as it may also impact tracking.
- Avoid visiting other price comparison websites or deals websites as it can void your cashback.
- We suggest you to use Mozilla Firefox, Google Chrome, Internet explorer and Safari browser to do transactions on Zingoy.
Featured Deals
Apply SBI BPCL Credit card + Get Flat Rs.2016 Zingoy Cashback
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Deal Details
- Get 2,000 Activation Bonus Reward Points worth Rs. 500
- 5X Reward Points on every Rs. 100 spent at Groceries, Departmental Stores, Movies & Dining
- Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases
- Joining Fee is Rs. 499
- Welcome gift worth Rs. 500
Don’t miss out on earnings!
Explore similar stores with exciting offers and cashback waiting for you.
Are fuel expenses burning a hole in your pocket? Then get yourself an SBI BPCL Credit card designed in collaboration with Bharat Petroleum. With a nominal joining and annual fee of just ₹499, you kickstart your journey with 2,000 activation points. Every time you refuel at BPCL petrol pumps, enjoy a whopping 13x Reward Points along with a 1% fuel surcharge waiver, making every drive lighter on your wallet.
But that’s not all! With the SBI BPCL Credit Card, you earn:
5x Reward Points on every Rs. 100 spent at grocery stores, departmental stores, movies, and dining.
1x Reward Point for every ₹100 spent on non-fuel retail purchases.
Whether it’s shopping, dining, or a night out at the movies, your SBI BPCL Credit Card rewards you at every step. SBI BPCL Credit Card is ideal for entry-level users looking for an affordable yet rewarding credit card. It’s more than just a card; it’s your gateway to maximum value-back benefits.
What is the SBI BPCL Credit Card?
SBI BPCL Credit Card is a co-branded credit card offered by State Bank of India in partnership with the Bharat Petroleum Corporation Limited (BPCL). It has been designed to deliver benefits associated particularly with fuel purchases, featuring accelerated rewards, fuel and surcharge waivers on fuel spends at BPCL outlets, as their rewards are also extended to categories such as dining. Groceries and movies too.
Co-branded Power: SBI BPCL Credit Card by SBI & Bharat Petroleum
The SBI BPCL Credit Card is a powerful credit card offered by State Bank of India (SBI) and Bharat Petroleum (BPCL). This partnership brings together banking excellence and fuel savings, making it an ideal choice for smart spenders. So if you are a daily commuter or a road trip enthusiast, this card ensures unmatched benefits on fuel, lifestyle, and retail spends.
Who Should Apply for the SBI BPCL Credit Card?
If you frequently refuel at BPCL outlets and want to earn rewards on everyday purchases, the SBI BPCL Credit Card is perfect for you. This card is designed for individuals seeking value-back benefits on fuel and regular lifestyle spending.
Whether you're a salaried professional, a student with regular travel needs, or someone exploring their first credit card, this is an ideal entry-level option.
Apply for SBI BPCL Credit Card online today and experience unmatched rewards! The SBI BPCL Credit Card application process is simple, quick, and completely digital. Don’t miss out. Apply SBI BPCL card online now and start saving instantly!
SBI BPCL Credit Card Review
The SBI BPCL Credit Card is a fuel-focused co-branded credit card launched by State Bank of India in collaboration with Bharat Petroleum Corporation Limited (BPCL). It offers an exceptional value-back benefits, making it a great choice for individuals looking to save more on fuel and everyday purchases.
Value‑Back Rewards on Fuel (13× Rewards & Surcharge Waiver)
When you use the SBI BPCL Credit Card at BPCL petrol pumps, you earn 13X Reward Points (i.e., 13 reward points per ₹100 spent). These points are redeemable for free fuel at BPCL outlets, providing real-time savings.
Additionally, you enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 to Rs. 4,000, capped at Rs. 100 per billing cycle. This makes your monthly fuel expenses lighter and more rewarding.
Welcome Gift & Bonus Points
Kickstart your journey with 2,000 activation bonus points, which are credited upon payment of the joining fee and a retail transaction of ₹500 or more within 30 days of card issuance. These bonus points are equivalent to Rs. 500 worth of fuel, making the initial fee practically reimbursable. It’s a smart deal, especially for those looking to apply for the SBI BPCL Credit Card online with a quick reward return.
Rewards on Non‑Fuel Spend (Groceries, Dining & More)
The SBI BPCL Credit Card doesn’t just stop at fuel benefits. It offers 5X Reward Points (i.e 5 points per Rs.. 100 spent) at groceries, departmental stores, movies, and dining outlets.
For all other retail purchases.
Additional Perks (Contactless, EMI Options, Worldwide Acceptance)
Enjoy the convenience of contactless payments. Just tap and go for transactions under Rs 5,000. Plus, you can convert high-ticket purchases into easy EMIs using the Flexipay EMI option.
Key Features & Benefits of SBI BPCL Credit Card
The SBI BPCL Credit Card does more than just offering cashback on fuel; it helps assist in simplifying payments while enhancing the convenience of the usage of cards while providing rewards on every spend. Below is are list of benefits of SBI BPCL Credit Card.
Contactless Advantage & Worldwide Acceptance
Enjoy faster, safer, and more convenient transactions with contactless payment technology. Just tap your SBI BPCL Credit Card at NFC-enabled POS terminals for purchases below Rs. 5,000, no PIN required!
What’s more, this card offers worldwide acceptance at over 24 million outlets globally and more than 3.25 lakh merchant outlets in India, making it the perfect companion whether you're at home or abroad.
Instant Redemption at 1,200+ BPCL Outlets
Fuel your car and your savings - Instantly redeem your Reward Points at over 1,200+ BPCL petrol pumps across India. Every 4 Reward Points = ₹1 worth of free fuel, making your drive more economical with every swipe. This feature ensures you enjoy real-time savings, unlike other cards where redemption is a lengthy process.
Add‑on Cards for Family Members
Want your loved ones to enjoy the same benefits? Look no further can easily request an add-on card on your SBI BPCL Credit Card for your spouse, parents, children, or siblings (above 18 years of age). These cards share the same credit limit and rewards system, allowing your family to earn and redeem points together. Track individual spending while giving your family financial freedom.
Flexipay & Balance Transfer on EMI
Big purchase? No problem. With Flexipay, you can convert any transaction which is above Rs. 2,500 into easy monthly EMIs. Just log in to your SBI Card account within 30 days of purchase to activate.
With this feature, you can even consolidate your bills - the Balance Transfer facility lets you transfer dues from other cards to your SBI BPCL Credit Card at lower interest rates and pay via EMIs, making debt management more efficient.
Fees & Charges of SBI BPCL Credit Card
Before you apply for the SBI BPCL Credit Card, it’s important to understand the applicable fees. This card offers strong value in return for minimal annual costs, especially for users who spend regularly on fuel and essentials.
Joining Fee & Welcome Bonus Reversal Conditions
The SBI BPCL Credit Card comes with a one-time joining fee of Rs. 499 + taxes. On successful payment of the joining fee and making a retail purchase worth Rs. 500 or more within the first 30 days, you’ll receive a welcome bonus of 2,000 reward points, which is equivalent to Rs. 500 worth of fuel at BPCL outlets. This benefit ensures that the joining fee is essentially offset if you meet the simple spend condition early on.
Renewal Fee & Fee Waiver on ₹50K Spend
The annual renewal fee of Rs. 499 + taxes is charged from the second year onwards. However, if your annual card spend is Rs. 50,000 or more, the renewal fee is completely waived, making it a cost-effective card for moderate spenders.
This fee waiver makes the SBI BPCL Credit Card especially suitable for users who refuel frequently or use their card for groceries, dining, and daily expenses.
Finance Charges & Late Payment Penalties
Like most credit cards, this one comes with finance charges and penalties in case of delayed payments:
Finance Charges (Interest Rate): Up to 3.5% per month (42% annually)
Late Payment Charges:
Rs. 0 for outstanding up to Rs. 500
Rs. 400 for Rs. 501 to Rs. 1,000
Rs. 750 for Rs. 1,001 to Rs. 10,000
Rs. 950 for Rs. 10,001 to Rs. 25,000
Rs. 1,100 for Rs. 25,001 to Rs. 50,000
Rs. 1,300 for amounts above Rs. 50,000
Paying dues on time helps avoid these charges and maintain your credit score.
Fuel Surcharge Waiver Details (Up to ₹100/Month)
The SBI BPCL Credit Card offers a 1% fuel surcharge waiver on all fuel transactions between Rs. 500 to Rs. 4,000 made at BPCL petrol pumps, with a maximum waiver of ₹100 per billing cycle.
This feature is especially valuable for those who refuel regularly and want to avoid paying extra for fuel transactions.
Quick Tip: The SBI BPCL Credit Card application process is fast and online. You can apply SBI BPCL card online through trusted portals or directly on the official SBI Card site to get started in minutes.
Discover Exclusive Benefits of SBI Credit Cards
The SBI Card Benefits page is your gateway to exploring a wide range of rewards, privileges, and lifestyle perks offered by various SBI credit cards, including the popular SBI BPCL Credit Card.
Whether you're a frequent shopper, travel enthusiast, or looking for fuel savings, this section helps you choose the right SBI Credit Card based on your lifestyle needs.
Key Highlights from the SBI Card Benefits Page:
Reward Points: Earn points on every purchase, be it groceries, fuel, dining, or online shopping. Points can be redeemed for vouchers, merchandise, or fuel.
Travel & Lifestyle Privileges: Enjoy complimentary airport lounge access, discounts on hotels and flights, and curated travel offers for domestic and international trips.
Shopping Benefits: Cashback offers, EMI options, exclusive brand deals, and festival-season mega-discounts across top online and offline stores.
Fuel Benefits: Cards like the SBI BPCL Credit Card offer 13x reward points on BPCL fuel spends and a 1% fuel surcharge waiver ideal for frequent drivers.
Contactless Convenience: All SBI Cards come with tap-and-pay functionality, ensuring safer, faster, and hassle-free payments under Rs. 5,000.
Utility Bill Payments & EMI Options: Easily pay your electricity, mobile, DTH, and insurance bills using your SBI Card and convert big purchases into flexible EMIs.
Things to Consider Before Purchasing the SBI BPCL Credit Card
When you are deciding to purchase the SBI BPCL credit card, you must consider the following features before availing the credit card.
You can choose to purchase the SBI BPCL credit card if you can spend a considerable amount on fuel every month.
You prefer to get BPCL fuel over others like the HPCL and IOCL.
You are not willing to pay high annual fees.
Eligibility of the BPCL SBI Credit Card
Documentation: Applicants must submit identification proof, salary slip, PAN card, proof of address, and a recent passport-size photograph.
Application Process: Apply online through the SBI Card website by navigating to 'Personal > Credit Cards > Apply Now' and selecting 'Travel & Fuel Cards'. Alternatively, applicants can contact SBI Credit Card customer service or visit a nearby bank branch.
Eligibility Criteria: Applicants must fulfil the eligibility criteria set by the State Bank of India, which typically includes income requirements and credit score checks.
Add-on Facility: Family members, including spouses, parents, and children (over 18 years), can be added as add-on cardholders to enhance purchasing power.
Fuel your savings every time you fill your tank. Apply for the SBI BPCL Credit Card now via Zingoy and unlock exclusive cashback, surcharge waivers, and exciting rewards on your fuel spends!
Card Activation Process
To understand the card activation process of SBI BPCL credit card, you must check out the activation process steps to understand the smooth functioning of the card.
Online Activation
Visit the SBI Card Website: Navigate to the official SBI Card website at sbicard.com.
Log In: Enter your user ID and password to access your account.
Locate Card Activation: Find the "Card Activation" or "Activate Your Card" option, typically located under the "Services" or "Manage Your Card" section.
Provide Details: Input the necessary information, such as your card number, expiry date, and other verification details.
Complete Activation: Follow the on-screen instructions to finalise the activation of your card.
Offline Activation
Contact Customer Care: Call the SBI Card customer care number, which is usually printed on the back of your credit card or listed on the SBI Card website.
Follow Instructions: Listen to the automated prompts or speak with a customer service representative to activate your card.
ATM Activation: In some cases, you can activate your credit card by conducting a transaction at an ATM using the PIN provided with the card.
Using the SBI Card App
Get the App: Download the SBI Card app from your preferred app store.
Sign In: Use your credentials to log in to the app.
Find Card Activation: Locate the card activation section within the app and follow the provided instructions to activate your card.
Once your BPCL SBI Credit Card is activated, you can start enjoying its benefits and redeeming the reward points you earn.
How to Apply for SBI BPCL Credit Card Online
Want to save big on fuel and lifestyle expenses? It’s time to apply for the SBI BPCL Credit Card online and enjoy instant rewards. The application process is quick, 100% digital, and can be completed in minutes from the comfort of your home.
Step‑by‑Step Application Process on sbicard.com
Follow these simple steps to complete your SBI BPCL Credit Card application process on the official SBI Card website:
Visit: Go to www.sbicard.com
Navigate: Hover over "Credit Cards" and select BPCL SBI Card under the “Travel & Fuel” section.
Click “Apply Now.”
Fill in Basic Details: Enter your name, mobile number, city, and PAN.
Verify with OTP
Provide Additional Details: Income, employment type, address, and identity proof.
Submit & Track: Once submitted, you can track your application status online.
Application Tips for Faster Approval
Ensure you meet the eligibility criteria: age 21–60, stable monthly income, and good credit score (preferably 700+)
Keep scanned documents handy: PAN card, Aadhaar, income proof (salary slip or bank statement)
Avoid multiple card applications at onc. Thiss can reduce approval chances.
Enter all information accurately to prevent delays
Getting your SBI BPCL Credit Card approved is easy when you follow these simple steps and tips.
Documents Required for SBI BPCL Credit Card
Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
SBI BPCL Credit Card Cashback Offers & Tips
The SBI BPCL Credit Card is not just about fuel saving;s it’s a cashback-friendly card if you know how to make the most of it. Here's how to maximize your rewards:
Maximizing Fuel Value‑Back
Earn 13X Reward Points on every ₹100 spent at BPCL fuel stations
Enjoy a 1% fuel surcharge waiver on transactions between ₹500 to ₹4,000
Redeem points instantly at 1,200+ BPCL outlets (4 points = ₹1 of free fuel)
Try refueling during mid-week or low-traffic hours to avoid payment gateway surcharges or delays
By focusing your fuel spends at BPCL stations, you can earn up to ₹1,300 value-back annually just through reward points and surcharge waivers.
Combining with SBI Merchant Offers
Use your SBI BPCL Credit Card during partner brand promotions available on the SBI Card Offers page.
Stack your rewards with cashback deals on Flipkart, Amazon, Swiggy, BigBasket, and more.
Enable SBI’s Smart Buy or PayZapp integration for extra discounts and reward booster.s
This combination strategy helps you maximize non-fuel savings, too.
Seasonal & Festival‑Period Bonuses
SBI Cards often run Diwali, New Year, and End-of-Season Sale offers with additional reward points or cashback on spends
Watch out for limited-time BPCL cashback offers during holidays or petrol price hik.es
Subscribe to SBI’s email/SMS alerts to stay updated on these exclusive pe.rks
If used strategically during these periods, your SBI BPCL Credit Card becomes a powerful tool for boosted rewards beyond fuel.
Advantages of SBI BPCL Credit Card
Before purchasing this credit, you must look over the SBI BPCL advantages, which make it one of the most amazing Credit Cards.
The card comes with a 1% Fuel Surcharge Waiver.
It offers a complimentary add-on card.
Reward points on all transactions.
It allows users to convert big spends into EMI.
No upper cap on redemption of reward points.
Cons of SBI BPCL Credit Card
Aspects this credit card lacks.
No access to airport lounges.
24/7 concierge service is not available.
SBI BPCL Credit card Frequently Asked Questions
Q1. Can I redeem points instantly at BPCL pumps?
Yes, with SBI BPCL Credit Card, you can instantly redeem the reward points which is earned on your Credit Card at over 1200+ BPCL petrol pumps across India.
Each 4 Reward Points = ₹1 worth of free fuel, and you simply need to swipe your card at a BPCL PetroSmart terminal to redeem your accumulated points. It’s one of the key highlights of this card that provides real-time value-back on fuel purchases.
Key point to remember: Ensure your card is swiped at a participating BPCL outlet that supports instant redemption.
Q2. What happens if I exceed the ₹4,000 surcharge waiver limit?
The 1% fuel surcharge waiver on the SBI BPCL Credit Card applies to fuel purchases between Rs. 500 and Rs. 4,000 per transaction. If you exceed the Rs. 4,000 limit per transaction, the fuel surcharge will not be waived for that particular transaction.
Additionally, there is a monthly waiver cap of Rs 100, so any fuel surcharge beyond this limit will be charged to your card.
Q3. How long after application will I receive my card?
Once your SBI BPCL Credit Card application is successfully submitted and approved, it typically takes 7 to 15 working days for the card to be delivered to your registered address.
You can easily track your application status on www.sbicard.com using your mobile number and application reference number.
Note: To speed up the process, make sure to apply SBI BPCL card online with all required documents ready and accurate details submitted during the process.
Q4. Can I transfer my outstanding debt from a credit card issued by another bank to the BPCL Credit Card of SBI?
Yes, the BPCL SBI Card includes a 'Balance Transfer' feature that allows you to transfer your outstanding balance from another bank's credit card to your SBI Card. You can do this by contacting the bank and speaking with a representative about your concern.
Q5. How do I use my SBI BPCL Credit Card points at the petrol station?
Your reward points can be redeemed quickly for free petrol at over 1,200 approved BPCL retail locations across the country or via BPCL fuel vouchers. The vouchers are good for six months after they are issued. Also, partial redemption is not permitted.
Q6. What is the SBI BPCL credit card maximum limit cross-fee?
The BPCL SBI Credit Card has a 2.5% over-limit fee.
Q7. What are SBI BPCL credit card benefits for lounge access?
BPCL SBI card does not offer any complimentary airport lounge access to the cardholders.
Q8. Does BPCL SBI Credit Card have any add-on facility for family members?
Yes, the primary BPCL SBI cardholders can get add-on cards for their family members, including their parents, spouse, siblings or children who are above the age of 18 years. SBI Card does not charge any annual fee for this add-on card facility.
Q9. What is the maximum limit per month for SBI BPCL credit card?
The card provider assigns the credit limit to SBI BPCL credit card users based on the internal policies and this limit is communicated at the time of card delivery itself. Based on your usage, the available credit limit is also mentioned in every monthly card statement.
1. You can continue shopping as you always do and you cashback will be automatically tracked in your Zingoy account within 48 hours.
2. Merchants take up to 10-12 weeks to validate earnings. (Validate i.e. make it eligible for withdrawal)
3. Once your earnings gets validated it will be available in your account as ZingCash, you can cash it out to your preferred bank or purchase gift vouchers for it.