credit card

Exploring the BPCL Credit Card and Its Smart Fuel Savings Features

What if your fuel card could save you up to ₹1,200 a year simply by eliminating extra charges? The SBI BPCL Credit Card and its premium version, the BPCL SBI Card OCTANE, both offer a 1% fuel surcharge waiver on transactions of up to ₹4,000 at BPCL petrol pumps across India.

This means more of your money stays in your pocket every time you fill up your tank. Whether you choose steady rewards or premium perks, both cards deliver real savings along with global acceptance and easy payment convenience.

BPCL Credit Card Benefits and Features

Here is the list of BPCL credit cards, their benefits and features listed out for you in detail:

BPCL SBI Card

  • Welcome gift of 2,000 reward points (₹500 value) credited within 20 days of joining fee payment.
  • 4.25% value back (13X points) on BPCL fuel purchases, max 1,300 points per billing cycle.
  • 5 points per ₹100 on dining, groceries, and movies (up to 5,000 points/month); 1 point on other spends.
  • Contactless payments via Visa payWave for fast, secure transactions.
  • Accepted at over 24 million outlets worldwide, including 3,25,000 in India.
  • Utility bill payment, EMI conversion (Flexipay), and balance transfer facilities.

BPCL SBI Card OCTANE

  • Welcome gift of 6,000 reward points (₹1,500 value) credited within 30 days of annual fee payment.
  • 7.25% value back (25X points) on BPCL fuel purchases, max 2,500 points per billing cycle.
  • 25 points per ₹100 on BPCL fuel, lubricants & Bharat Gas spends; 10 points per ₹100 on dining, groceries, and movies (up to 7,500 points/month).
  • 4 complimentary domestic lounge visits each year.
  • Milestone e-gift vouchers worth ₹2,000 on annual spends of ₹3 lakh.
  • Complimentary ₹1 lakh fraud liability cover.

Want more? Now you can get a 100% fuel surcharge waiver with the secured credit card from the Stable Money. So, hurry up and apply now!

BCPL Credit Card Fees and Charges

Parameters

SBI BPCL Credit Card

BPCL SBI Credit Card OCTANE

Joining Fee

₹499 + GST

₹1,499 + GST

Renewal Fee

₹499 + GST(2nd year onwards)

Waived if annual spending is ₹50,000 or more.

₹1,499 + GST(2nd year onwards)

Waived if annual spending is ₹2,00,000 or more.

Add-on Card Fee

Nil

Nil

Finance Charges

Up to 3.75% p.m. (45% p.a.); Min. ₹25 per transaction.

Same as BPCL SBI Credit Card.

Late Payment Charges

  • Nil for dues up to ₹500;
  • ₹400 to ₹1,300 depending on the outstanding amount.

Same as BPCL SBI Credit Card

Card Replacement Fee

₹100

Same as SBI BPCL Credit Card

BPCL Credit Card Eligibility

  1. Minimum age 21 years, maximum age 70 years.
  2. Salaried or self-employed individuals.
  3. Steady and verifiable source of income.
  4. A healthy credit score.

Documents Required for Application

  1. PAN card
  2. Aadhaar card or any other valid government-issued address proof.
  3. Proof of income, such as salary slips or income tax return file.

BPCL Credit Card Application Process

To apply for the BPCL SBI Credit Card offline, you can visit any of your nearest SBI branches and talk to the representatives. 

The steps for the online application process are as follows:

  • Step 1: Visit the <a href="https://www.sbicard.com/en/personal/credit-cards/travel/bpcl-sbi-card.page" target="_blank" rel="nofollow noopener noreferrer">Official Website</a>.
  • Step 2: Click on ‘Apply Now’ under your chosen card.
  • Step 3: Fill in all the required personal and professional details.
  • Step 4: Provide your KYC documents and details.

Note: You can even track your application status from the official website.

The SBI BPCL Credit Cards offer a combination of fuel savings, rewards, and lifestyle benefits, making them ideal for frequent drivers. Choose the card that fits your needs and start maximising every purchase, both on and off the road.

Looking for a high credit limit? Download the Stable Money app today and apply for an FD-backed card with a credit limit that is 90% of your FD value.

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© 2026 Stable-Alpha Technologies Pvt. Ltd.

ISO 27001:2022

Address - Third floor, Block A, Stable Money, Bhive HSR Premium Campus, Krishna Reddy Industrial Area, Kudlu gate,
Bommanahalli, Bangalore, Karnataka, India, 560068

STABLE FINSERV PRIVATE LIMITED (CIN: U66309KA2023PTC172771)

Registered Address: Third floor, Block A, Stable Money, Bhive HSR Premium Campus, Krishna Reddy Industrial Area, Kudlu gate,
Bommanahalli, Bangalore, Karnataka, India, 560068

Research Analyst: SEBI Registration Number: INH000024912 | BSE Enlisting Number: 6952


Disclaimer: Registration granted by SEBI, enlistment with BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Contact us: help@stablemoney.in

Mutual Fund Distributor : Stable Finserv Private Limited (AMFI-registered Mutual Fund Distributor) | ARN: 269315 | Current Validity till 17-May-2029 | Scheme Documents| Commission Disclosure

Disclaimer : Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past Performance of the Scheme is neither an indicator nor a guarantee of future performance.

Disclaimer : FDs and Co-branded Credit Cards are not regulated by SEBI and are outside the SCORES/Exchange Arbitration framework. Stable Money acts only as a distributor.


The proof writes itself Trusted by 60 lakh+ customers

© 2026 Stable-Alpha Technologies Pvt. Ltd.

ISO 27001:2022

Address - Third floor, Block A, Stable Money, Bhive HSR Premium Campus, Krishna Reddy Industrial Area, Kudlu gate, Bommanahalli, Bangalore, Karnataka, India, 560068

Disclaimers : FDs and Co-branded Credit Cards are not regulated by SEBI and are outside the SCORES/Exchange Arbitration framework. Stable Money acts only as a distributor.

Mutual Fund Distributor: Stable Finserv Private Limited (AMFI-registered Mutual Fund Distributor) | ARN: 269315 | Current Validity till 17-May-2029 | Scheme Documents| Commission Disclosure

Disclaimer: Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past Performance of the Scheme is neither an indicator nor a guarantee of future performance.

STABLE FINSERV PRIVATE LIMITED (CIN: U66309KA2023PTC172771)

Registered Address: Third floor, Block A, Stable Money, Bhive HSR Premium Campus, Krishna Reddy Industrial Area, Kudlu gate,
Bommanahalli, Bangalore, Karnataka, India, 560068

Research Analyst: SEBI Registration Number: INH000024912 | BSE Enlisting Number: 6952


Disclaimer: Registration granted by SEBI, enlistment with BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.