BPCL SBI Credit Card

The BPCL SBI Credit Card is a co-branded credit card that helps the card holders save maximum on fuel expenses. The BPCL SBI Credit Card has been introduced by the State Bank of India in association with Bharat Petroleum, thus providing a 4.25% value back on purchase of fuel from BPCL petrol pumps. Apart from this, the card holders are provided with accelerated 5x rewards on categories like dining, groceries, dining etc. 

Bharat Petroleum Corporation Limited (BPCL) is an oil and gas company owned by the Government of India . It is included under the Ministry of Petroleum and Natural Gas and has two large refineries situated in Kochi and Mumbai.

  • Sure Card
  • BPCL SBI Credit Card
Features Sure CardBPCL SBI Credit Card
Features
EligibilityEveryone 18+People between the age group of 18 to 60. Both salaried and self-employed people
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 588.82 ( Rs. 499 + 18% GST)
Annual FeesNILRs. 588.82 ( Rs. 499 + 18% GST)
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) on transactions of upto Rs. 4000 Maximum waiver of Rs. 100 per statement cycle per card account
Foreign Currency TransactionNIL3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.4 reward points equal 1 Rs. 5x reward points on every Rs. 100 spent at groceries, departmental stores, dining and movies 1 reward point for every Rs. 100 spent on non-fuel retail purchases. 2000 bonus points worth Rs. 500 on payment of joining fee
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form with required documents
PrivacyYour data is not used and not soldContactless transaction
CommunityYesNo
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BPCL SBI Credit Card vs. SURE Card

The BPCL SBI Credit Card provides a total of 4.25% valueback  with 13x reward points on the fuel purchases at BPCL petrol pumps with a maximum of 1300 reward points that can be earned per billing cycle.

The BPCL SBI Credit Card is suitable for purchase of fuel along with reward points on entertainment expenditure like dining and movies and necessary spends from grocery or departmental stores. The rewards are, however, limited to these categories whereas SURE card provides 10 reward points per Rs. 100 spent for anyone anywhere.

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