SBI BPCL Fuel Credit Card Review

Author And Publisher: Gyro 3.o
20.06.2025 03:44 PM - Comment(s)

SBI BPCL Fuel Credit Card

Financial Expert Advice

  Choose Your First (or Next) Credit Card Wisely  


   "Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

 and lead to unnecessary debt. Focus on    stability & discipline."   


SBI BPCL Fuel Credit Card Review
"Fuel Up, Save Up"

Introduction

The SBI BPCL Fuel Credit Card is a co-branded credit card designed specifically for frequent users of Bharat Petroleum fuel stations. It offers substantial savings on fuel purchases, along with rewards on everyday expenses like dining, groceries, and movies. Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits


Welcome Benefits

  • Get 2,000 Activation Bonus Reward Points Worth
    ₹
    500 As A Welcome Gift.

  • Reward Points will be credited after 20 days of the payment of joining fee and the same can be redeemed instantly against fuel purchase at BPCL outlets or at Shop n Smile rewards catalogue.

Reward Structure

  • Earn 13X reward points on fuel purchases at BPCL petrol pumps, equivalent to a 4.25% value back.
  • 5X Reward Points on every ₹100 spent at Groceries, Departmental Stores, Movies & Dining (Up to 5000 Reward Points per month)
  • Earn 1 reward point per ₹100 on other retail purchases.

Fuel Surcharge Waiver

  • Maximum surcharge waiver of ₹100 in a billing cycle, which is equivalent to an Annual Savings of 
    ₹
    1200.

Annual Fee

  • ₹499 + GST, with the option to waive the renewal fee by spending ₹50,000 annually.

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Card Essential

 Type Reward Points
 Welcome Benefits 2,000 bonus points (worth ₹500).
  Annual Fee₹499 + GST
 Reward StructureRewards On SPENDS
 Renewal BenefitSpend ₹50k + annually, get your renewal fee waived. 

Rewards and Benefits Analysis

The SBI BPCL Fuel Credit Card is ideal for those who frequently purchase fuel at BPCL outlets. The high reward rate on fuel purchases and fuel surcharge waiver make it a great choice for maximizing fuel savings. Additionally, the accelerated rewards on dining, groceries, and movies provide incremental value.

Practical Considerations

While the card excels in fuel-related benefits, its rewards structure for non-fuel categories is modest compared to other lifestyle cards. However, the low annual fee and potential for waiver make it an affordable option for budget-conscious users.

Redemption Options

Reward points can be redeemed for fuel purchases at BPCL outlets, providing seamless savings on fuel expenses or at Shop n Smile rewards catalogue.

Ideal User Profile

This card is best suited for

  • Frequent users of BPCL petrol pumps.

  • Those who spend regularly on fuel and want to maximize savings.

  • Individuals looking for an affordable credit card with focused fuel benefits.

Final Thoughts

The SBI BPCL Fuel Credit Card offers a compelling package for frequent fuel buyers, with its high reward rate on BPCL purchases and fuel surcharge waiver. While it may not be ideal for non-fuel spends, its affordability and focused benefits make it a practical choice for those who regularly use Bharat Petroleum fuel stations.

Additional Tips for Potential Applicants

  • Eligibility: Ensure you meet the income and good credit score requirements.

  • Usage: Maximize fuel purchases at BPCL outlets to get the most out of the rewards.

  • Redemption: Use reward points directly for fuel purchases to maximize savings.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the SBI BPCL Fuel Credit Card aligns with their 

spending habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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