BPCL SBI Card

Interest-free period

• Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant.
• Applicable only on retail purchases and if previous month's outstanding balance is paid in full.
• Not applicable if previous month's balance is outstanding or if cash has been availed from any ATM.

Verified · SBI Card – Most Important Terms & Conditions (MITC, common to all cards) · 2026-07-30 · source

Charge

• Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
• Minimum Finance Charge: ₹25.
• Cash Advance Fee: 2.5% or ₹500 whichever is higher (domestic and international ATMs).
• Cash Advance Limit: up to 80% of credit limit, max ₹15,000/day on MCC 6011 (ATM withdrawals).
• Cash Payment Fee: ₹250 + taxes.
• Cheque Payment Fee: ₹200.
• Payment Dishonour Fee: 2% of payment amount subject to min ₹500.
• Card Replacement Fee: ₹100 - ₹250.
• Over Limit Fee: 2.5% of overlimit amount or ₹600 whichever is higher (once per billing cycle).
• Late Payment Charges: Nil up to ₹100.
• ₹100 (>₹100 & up to ₹500).
• ₹500 (>₹500 & up to ₹1,000).
• ₹750 (>₹1,000 & up to ₹10,000).
• ₹950 (>₹10,000 & up to ₹25,000).
• ₹1,100 (>₹25,000 & up to ₹50,000).
• ₹1,300 (>₹50,000).
• Additional ₹100 on missing MAD two consecutive cycles.
• Utility Payments Fee: 1% if total utility payments exceed ₹50,000 in a billing cycle (w.e.f 1 Dec 2024).
• Fee on Education Payments via third-party apps: 1% (w.e.f 1 Nov 2025).
• Fee on Wallet Load exceeding ₹1,000: 1% (w.e.f 1 Nov 2025).
• Rent Payment Processing Fee: ₹199.
• Rewards Redemption Fee: ₹99.
• Add-on Fee: Nil.

Verified · SBI Card – Most Important Terms & Conditions (MITC, common to all cards) · 2026-07-30 · source

Fuel surcharge waiver

• 1% Fuel Surcharge Waiver applicable only on BPCL fuel transactions up to ₹4,000, for a max of ₹100 per month.
• No minimum threshold.
• Not applicable on fuel spends done using UPI on SBI Credit Card (RuPay platform) at BPCL petrol pumps.

Verified · BPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone) · 2026-07-30 · source

Redemption value

• 4 Reward Points = ₹1 of free fuel.
• No minimum limit of Reward Points required for Instant Redemption.
• Points redeemable for free fuel at select 3740+ authorized BPCL retail outlets or via BPCL fuel vouchers, and for products at Shop & Smile.
• Rewards Redemption Fee ₹99 (on Physical products, Statement Credit & physically-sent Vouchers).
• Reward Points valid for 24 months (carried over one Enrolment Year; lapse at end of second year).
• On voluntary closure, points redeemable within 30 days of closure.

Verified · BPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone) · 2026-07-30 · source

Reward cap

• Max. 1300 Reward Points per statement cycle on BPCL fuel spends.
• Cumulative 5X Reward Points on Groceries, Departmental stores, Movies & Dining capped at 5,000 Reward Points per month (thereafter 1 RP per ₹100).
• Reward Points earned for a maximum spend of ₹10,000 per month on BPCL fuel.

Verified · BPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone) · 2026-07-30 · source

Reward exclusion

Verified · BPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone) · 2026-07-30 · source

Insurance

• With the SBI Credit Card you can buy Health Insurance, Personal Accident Insurance, Motor Insurance, Additional health covers, Travel & Home insurance, Life Insurance and other assistance products at affordable rates.
• SBI Card offers complimentary lost/stolen card insurance/fraud liability cover on certain cards, provided by an insurance company as decided by SBI Card from time to time.

Verified · BPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone) · 2026-07-30 · source

Eligibility

• Add-on cards can be issued for spouse, parents, siblings and children over 18 years of age.
• (SBI Card issuance policy: salaried applicants aged 21-65 years; self-employed 25-70 years).

Verified · BPCL SBI Card – Terms & Conditions + MITC Combined Booklet (VISA/RuPay) · 2026-07-30 · source