The BPCL SBI RuPay Credit Card is a co-branded fuel credit card from the State Bank of India, which is specifically designed for those who spend a lot on fuel regularly. The card not only provides high rewards on fuel spends at Bharat Petroleum outlets but also value on dining, movies, groceries, and daily expenses. With RuPay as the network partner, card members also get special RuPay benefits and offers. In this article, we will discuss all the features, advantages, reward system, fees, and other important details that assist users in realizing the full potential of the card. we also going to see reviews on reddit forum about this card that helps you to make better choice.
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BPCL SBI RuPay Credit Card Benefits
The BPCL SBI RuPay Card is filled with saving-driven benefits across several spending categories.
Welcome Benefits
Cardholders get a warm welcome with 2,000 bonus reward points after paying the joining fee. These reward points are worth ₹500 and can be redeemed against several options, including fuel.
Fuel Benefits
- If you frequently spend on petrol, this card can turn out to be a saver. It provides up to 4.25% value back on fuel spending at BPCL fuel stations.
- You get 13 reward points for every ₹100 spent on fuel at BPCL, which is a 3.25% return.
- Besides, there’s a 1% fuel surcharge waiver that can be availed on transactions between ₹500 and ₹4,000. The maximum waiver you can get per billing cycle is ₹100. This cumulative benefit makes fuel buys much cheaper for frequent travelers and commuters.
Shopping, Dining & Lifestyle Benefits
- You get 5 reward points for every ₹100 spent on shopping, dining, groceries, and departmental stores.
- For all other retail transactions, you earn 1 reward point for every ₹100 spent. This balanced reward policy means that your daily spending too accrues value for you.
Other Key Benefits
BPCL SBI RuPay Credit Card has a contactless payment facility which enables fast and safe tap-and-pay. Moreover, in case your spending crosses ₹50,000 within a year, the ₹499 annual charge is waived off, providing more value to your card usage.
Reward Points Structure and Redemption
Reward points earned through this card are valuable and easy to redeem:
- Fuel spends at BPCL outlets: 13 reward points per ₹100 spent.
- Dining, movies, grocery: 5 reward points per ₹100 spent.
- Other retail transactions: 1 reward point per ₹100 spent.
- 1 reward point = ₹0.25 when redeemed.
Points can be redeemed through the official website www.sbicard.com, or by calling customer service. They can be used for fuel purchases at BPCL stations or redeemed for gifts, vouchers, and merchandise from SBI Card’s rewards catalog.
Additional Benefits
Apart from rewards and savings, the card includes secure transactions with an EMV chip, special RuPay network benefits like merchant rebates, and access to periodic cashback offers. The contactless component increases convenience for routine transactions and increases safety by reducing physical contact.
Example Case Study
Here’s the sample case study of how much you can save in year using the BPCL SBI RuPay Credit Card with a spending pattern of ₹2,00,000 in a year. This example is based on realistic day-to-day usage of the card across typical categories such as fuel, dining, groceries, and general offline expenses.
Let’s divide the ₹2,00,000 yearly spend into four broad categories:
- ₹60,000 on fuel at BPCL petrol stations
- ₹50,000 on dining and cinema
- ₹40,000 on grocery shopping
- ₹50,000 on other offline spends
Now let’s see the reward structure and the savings that you can get out of each category:
Fuel Expenses at BPCL: On spending ₹60,000 at BPCL petrol outlets, you collect 13 reward points for every ₹100 spent. This means you collect 7,800 reward points a year. Since 4 reward points = ₹1, this equals ₹1,950 in terms of value. In addition, you receive a 1 percent fuel surcharge waiver (up to ₹100 a month). That is an additional ₹1,200 saved a year.
Overall savings in fuel: ₹3,150
Dining and Movies: These expenses are tallied as normal categories, with 1 reward point for every ₹100. For ₹50,000, you accumulate 500 reward points, worth ₹125.
Total savings on dining and movies: ₹125
Grocery Shopping: Grocery expenses also collect 1 reward point for every ₹100. On ₹40,000, you receive 400 reward points, worth ₹100.
Total savings on groceries: ₹100
Other Offline Spends: These spends will also get 1 reward point for every ₹100. On ₹50,000, you get 500 reward points, which is worth ₹125.
Total savings on other offline spends: ₹125
Total Estimated Annual Savings
From fuel rewards and surcharge waiver: ₹3,150
From dining, groceries, and offline spends: ₹125 + ₹100 + ₹125 = ₹350
Total Savings in a Year: ₹3,500
This computation illustrates how the BPCL SBI RuPay Credit Card is extremely lucrative if you have high fuel expenses and are able to maximize the surcharge waiver and reward perks. It serves to reduce the cost of fuel substantially while providing reasonable returns on daily categories.
Fees and Charges
Understanding the fee structure is crucial for card users:
- Joining Fee: ₹499 plus applicable taxes.
- Annual Renewal Fee: ₹499, which is waived if your annual spend crosses ₹50,000.
- Finance Charges: 3.5% per month (42% annually) on outstanding balance.
- Late Payment Charges:
- Nil for dues up to ₹500
- ₹400 to ₹1,300 depending on outstanding amount.
Eligibility Criteria and Documents Required
To be eligible for the BPCL SBI RuPay Credit Card:
- Age must be between 21 and 65 years.
- Applicant must have a stable income whether salaried or self-employed.
- Only Indian residents can apply.
Documents Required:
- ID Proof: Aadhaar card, passport, or voter ID.
- Address Proof: Utility bill, Aadhaar card, or ration card.
- Income Proof: Latest salary slip or Income Tax Return.
How to Apply for BPCL SBI RuPay Credit Card
Application for the card is easy and rapid:
- Go to the official website of SBI Card: www.sbicard.com.
- Click on “Apply Now” for the BPCL SBI RuPay Credit Card.
- Enter your personal and professional information.
- Upload documents required for verification.
- In case of successful approval, the card is delivered to your location.
How to Pay SBI Credit Card
You may pay your State Bank of India credit card bill through:
- Online SBI Credit Card Bill Payment through Net Banking.
- NEFT/IMPS transfer from SBI credit card number.
- Auto debit facility to make payment in time. These facilities are offered on the official website www.sbicard.com.
Customer Support and Care
For any query or support, customers may call:
- Customer care no of SBI credit card: 1860 180 1290 (toll-free).
- Email: customercare@sbicard.com.
- Log in to the official website: www.sbicard.com for FAQs and self-service facility.
- Also, refer to the sbi cc card customer care portal for transaction disputes or reward-related queries.
Reddit Community Feedback – Actual User Reviews from r/CreditCardsIndia
To confirm these advantages, we looked at real cardholder experiences posted in the Reddit thread SBI BPCL RuPay Card Review – r/CreditCardsIndia. The conversation presents some useful insights that are more than what is promoted.
Positive Takeaways from Reddit:
- Fuel Savings Are Real – Even on Small Swipes:
Customers agreed that fuel surcharge waiver and reward points hold good even for small refueling of ₹100 to ₹300, as long as the payment is done through physical card swipe and not UPI. This negates the FAQ assertion of ₹400 minimum to be eligible for waiver. - SBI Online Shopping Offers Useful
Since it’s an SBI-issued card, one user found it helpful during SBI discount offers on Amazon, meeting the ₹50,000 annual spend to waive the fee while enjoying parallel savings. - Premium Octane Variant Delivers High Returns:
Heavy consumers liked the BPCL SBI Octane Credit Card, the premium one, promising up to ₹20,000 per year in savings. They cashed out all their points towards BPCL fuel, taking maximum value from the reward structure.
Weaknesses Brought to the Attention of the Community:
- Sub-Par Reward Rate on Non-Fuel Expenditures
The major gripe was the meager reward rate on non-BPCL spends and certain categories, reducing the appeal of this card for use in everyday transactions beyond fuel and restaurant spends. - UPI Payments Not Rewarded:
Several users explained that UPI payments on fuel are not eligible for surcharge waivers or reward points, reducing convenience for others who opt for UPI to make low-value refuel payments. - No Flexibility in Redemption:
A customer enquired if points could be exchanged for Amazon Pay or any other vouchers. The community reaffirmed that the rewards are exchangeable only for BPCL vouchers, which cuts down on flexibility for non-BPCL loyalists. - Better Alternatives Available:
A few users suggested trying BoB HPCL or Kotak IOCL credit cards, particularly for individuals looking for greater returns or greater redemption flexibility. Kotak’s IOCL card was mentioned positively, although it is currently suspended for new applications.
BPCL SBI RuPay Credit Card Review
The BPCL SBI RuPay Credit Card keeps its promise only if you apply under the correct circumstances. If you habitually refill fuel at BPCL, spend using a physical card (not UPI), and need a low-fee SBI card for availing festive offers, it’s a sensible choice.
But as reiterated by Reddit users, its limited reward adaptability and median value on non-fuel expenses render it less desirable for anyone looking for an all-rounder credit card. If you’re a heavy fuel user, look at the BPCL SBI Octane variant instead. Otherwise, look at other fuel credit cards for a superior return on daily spends.
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