How to Get SBI BPCL Credit Card with a CIBIL Score Below 500 – Full Guide for 2025
Getting a credit card with a poor credit score (CIBIL score below 500) is tough—but not impossible. If you’re someone looking for fuel benefits and personal savings, the SBI BPCL Credit Card might be your dream card. But can you really get it with a CIBIL score under 500?
In this detailed guide, we’ll show you the step-by-step strategy to apply and improve your chances of approval, even if your score is on the lower end.
🔍 Quick Overview: What is the SBI BPCL Credit Card?
The SBI BPCL Credit Card is a co-branded credit card offered by SBI Card and Bharat Petroleum (BPCL). It gives excellent fuel rewards and cashback benefits, such as:
- 4.25% value back on BPCL fuel purchases (13X Reward Points)
- 1% fuel surcharge waiver
- 1 Reward Point per ₹100 spent on all other purchases
- Annual fee: ₹499 (reversed on ₹50,000 spend)
Now, the question is:
🧨 Can You Get SBI BPCL Credit Card with a Low CIBIL Score (Below 500)?
The short answer: Yes, but with conditions.
Let’s break it down.
💣 The Harsh Truth About CIBIL Score Under 500
A CIBIL score below 500 is considered “Very Poor.” Most major banks, including SBI, are extremely cautious while approving unsecured credit like credit cards in such cases. But your case isn’t hopeless.
SBI doesn’t publish its minimum CIBIL requirement publicly, but based on 2025 reports, most users get approved with a score above 650. However, if you follow the right process, even a low score applicant can boost approval chances.
🧭 Step-by-Step Guide to Get SBI BPCL Credit Card with CIBIL Below 500
✅ Step 1: Check Why Your Score is Low
Use a free CIBIL report tool or Experian to see:
- Is it due to late EMI payments?
- Do you have written-off or settled loans?
- Are there too many loan applications?
👉 Fix the reason first. Remove errors, repay overdues, and settle past dues if needed.
✅ Step 2: Start a Relationship with SBI
With a low CIBIL score, SBI won’t trust you unless you have a good history with them.
Open an SBI savings account, and:
- Use it regularly for salary or transactions
- Maintain a balance of ₹10,000+
- Use fixed deposits (FDs) to build a strong relationship
👉 This builds trust without needing a high CIBIL score.
✅ Step 3: Apply for SBI BPCL Secured Credit Card (Smart Solution)
If your score is below 500, directly applying for the regular unsecured BPCL card may lead to rejection.
Instead, follow this smart hack:
🔐 Get an SBI BPCL Credit Card against FD (Secured Version)
- Open a Fixed Deposit of ₹25,000 to ₹50,000 in SBI
- Request for secured BPCL credit card against FD
- No CIBIL check required
- Approval is guaranteed
- Same rewards and features
✅ After 6–8 months of proper use, you can request to convert it into an unsecured BPCL card.
✅ Step 4: Apply Through Offline Branch (Not Online)
With a low CIBIL score, avoid applying online.
Instead:
- Visit your nearest SBI branch
- Talk to the credit card relationship manager
- Show your FD or good SBI banking history
- Submit a manual application with proper documents
They have more flexibility in manual approvals.
✅ Step 5: Add a Co-Applicant or Guarantor (Optional)
If you still want to apply for the unsecured BPCL card, consider adding:
- A co-applicant with good credit score (700+)
- A guarantor who already holds an SBI credit card
👉 This reduces risk for SBI and increases your chances of approval.
📈 How to Use the SBI BPCL Card to Improve Your CIBIL Score?
Once you get the card, use it wisely to build your credit score fast:
| Step | Action |
|---|---|
| 💳 Use Only 30% Limit | Keep spending low. If limit is ₹10,000, spend under ₹3,000 monthly. |
| ⏱️ Pay Before Due Date | Never miss a payment. Even 1 late payment can hurt. |
| 📊 Use Auto-Debit | Set up automatic payment from your SBI savings account. |
| 🔄 Use Every Month | Don’t leave card unused. Spend something every month. |
| 🚀 Check CIBIL Monthly | Monitor your score monthly for improvement. |
Within 6 months, your score can jump from <500 to 650+.
🎁 SBI BPCL Credit Card Benefits Recap (2025)
| Feature | Details |
|---|---|
| Welcome Gift | 2,000 Bonus Reward Points (worth ₹500) |
| Fuel Cashback | 4.25% Value Back on BPCL |
| Annual Fee | ₹499 (reversed on ₹50,000 annual spend) |
| Surcharge Waiver | 1% Fuel Surcharge Waiver (up to ₹100/month) |
| Global Acceptance | Accepted at 24+ million outlets worldwide |
🧠 Expert Tip: Use These Alternatives If BPCL SBI Card Gets Rejected
If your application still gets rejected, here are backup plans:
| Card Name | Type | CIBIL Requirement | Remarks |
|---|---|---|---|
| SBI Unnati | Secured | No CIBIL check | Best option with zero annual fee |
| OneCard FD Card | Secured | No CIBIL required | Instant approval |
| AU Bank Altura | Low CIBIL | 550+ | Some users reported approval at 550 score |
| ICICI Coral FD | Secured | No credit history needed | Can be upgraded later |
📝 Final Words
Getting an SBI BPCL Credit Card with a CIBIL score below 500 is difficult—but with a strategy, you can build eligibility in 30–60 days using the secured route or offline application methods.
👉 Don’t just apply blindly. Start by improving your bank relationship, use secured cards smartly, and boost your credit history.
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🧲 FAQs
❓Can I get SBI BPCL card without credit score?
Yes, if you apply through the secured FD route.
❓How much FD is needed for SBI BPCL secured card?
At least ₹25,000–₹50,000 FD is ideal.
❓Will SBI check CIBIL score for credit card?
Yes, for unsecured cards. But not for secured cards against FD.
❓How fast can I improve my score after getting this card?
With timely payments, you can improve your score by 100–150 points in 6 months.
Want to consult an expert to improve your score and get the right credit card?
👉 Contact ImproveCibil Consultant – Just ₹2,999 only via WhatsApp. (+91 7004683698)
✅ Step-by-step score improvement
✅ Credit card and loan guidance
✅ Free CIBIL report help
How to Get BPCL SBI Fuel Credit Card with Poor Credit Score as a Student in India (₹1 Lakh Limit Possible)
Looking to get a BPCL SBI Fuel Credit Card as a student in India, even with a poor or zero credit score?
Whether you want it for daily fuel usage, study-related payments, or building your credit profile, this guide will show you how to get this card—even if your CIBIL score is below 600 or you don’t have any credit history yet.
Let’s dive into the smart strategies to get this powerful fuel card with a high credit limit—even as a student.
🔥 What is the BPCL SBI Credit Card?
The BPCL SBI Card is a fuel-saving credit card co-launched by SBI Card and Bharat Petroleum. It’s one of the most rewarding cards in India for frequent fuel users.
✅ Top Benefits:
- 4.25% cashback on BPCL petrol pumps (13X Reward Points)
- 1% fuel surcharge waiver
- Welcome gift worth ₹500
- Accepted at 24 million+ outlets worldwide
- Annual fee: ₹499 (waived on ₹50,000 yearly spend)
💡 Now imagine getting all this with a poor or no credit score, as a student with limited income. Yes, it’s possible.
🎯 Is It Possible to Get BPCL SBI Fuel Card as a Student with Poor CIBIL Score?
Yes, but not through the standard unsecured method.
If your CIBIL score is below 600 or you’re a student without income, the traditional approval system won’t work. Instead, you can use a secured credit card route to guarantee your approval—and even get a ₹1 lakh limit.
🧭 5 Smart Ways to Get BPCL SBI Fuel Credit Card with Low Score as Student (₹1 Lakh Limit)
✅ 1. Apply for Secured BPCL SBI Credit Card Against FD
This is the most guaranteed method if you have poor or no credit.
Steps:
- Open a Fixed Deposit (FD) with SBI Bank of ₹1,00,000
- Visit SBI branch and apply for BPCL Credit Card against FD
- No income proof or CIBIL score required
- Card will be 100% approved with limit equal to 90% of FD
Benefits:
- Same rewards and features as regular BPCL card
- Safe and smart for students
- Helps build CIBIL score fast
🔐 Tip: If ₹1L FD is not possible, start with ₹20,000–₹50,000 FD. You can increase later.
✅ 2. Use Parent or Guardian as Co-Applicant (with Good Credit)
If you’re a college student, your parents can help.
Ask your:
- Father/Mother to be a co-applicant
- Or an add-on cardholder
💡 Add-on cards let you use their credit card benefits with your own name—no CIBIL or income proof needed.
Later, once you’ve built history, you can apply for your own BPCL SBI card.
✅ 3. Build Credit Score with Small Secured Cards First
If you’re not ready for ₹1L FD yet:
- Start with SBI Unnati Card (free against ₹25K FD)
- Or OneCard FD Card (instant online with ₹10K)
Use for 3–6 months → Pay on time → Improve CIBIL
Then apply for BPCL SBI card with ₹1L limit.
✅ 4. Apply Through SBI Bank Branch (Offline, Not Online)
Online applications usually get auto-rejected for students with poor credit.
Instead:
- Visit your nearest SBI branch
- Carry FD receipt, Aadhaar, PAN, college ID
- Request credit card against FD
📌 Branch staff can manually process and approve your application, even with low score.
✅ 5. Show Part-Time Income or Scholarship Proof (Optional)
If you:
- Get a monthly stipend, internship pay, or scholarship
- Or do part-time freelance work (Upwork, YouTube, etc.)
👉 Show bank statements of last 3 months
Some SBI branches accept such proofs if:
- Monthly inflow is above ₹10,000
- You also maintain an FD
🚀 How to Boost Your CIBIL Score Using BPCL SBI Card?
Once you get the card, use it smartly to boost your score and maintain your ₹1L limit:
| Tip | What To Do |
|---|---|
| Pay on Time | Pay full amount before due date |
| Use Only 30% Limit | If limit is ₹1L, don’t spend more than ₹30K monthly |
| Don’t Withdraw Cash | Cash advance hurts credit score |
| Avoid Overlimit Use | Never cross your card’s limit |
| Check Score Monthly | Use OneScore or Paytm to track growth |
In 6–8 months, your score can rise from below 600 to 700+, even as a student.
🎁 Why Students Should Choose BPCL SBI Card in 2025
| Feature | Value |
|---|---|
| High Reward on Fuel | 13X Points (4.25% Value) |
| Great for Budgeting | Use for fuel, food, books |
| Low Annual Fee | ₹499 (free after ₹50K spend) |
| Easy Upgrade Later | Can upgrade to SBI Elite/Prime after 1 year |
| Builds Credit Early | Start building CIBIL while in college |
💡 Real Student Case Study
🎓 Aman, 22, student from Delhi with no CIBIL history
- Opened ₹1L FD in SBI using education loan money
- Applied for BPCL SBI Card in branch
- Got ₹90,000 credit limit approved in 7 days
- Used card for 6 months, paid on time
- CIBIL score improved to 710
- Upgraded to SBI Prime with ₹2L limit in 1 year
You can do the same—even with zero score.
🧠 Expert Consultant Tip
If you’re confused about the process or facing rejections, consider consulting a CIBIL improvement advisor.
✅ We help you:
- Build eligibility as a student
- Guide FD-based credit card application
- Improve your credit score from 0 to 750+
👉 WhatsApp Consultation: ₹2,999 only – Limited Offer
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🔚 Final Thoughts
Even as a student with a poor credit score or no credit history, you can easily get the BPCL SBI Fuel Credit Card with a ₹1 lakh limit by using the FD-secured route or add-on strategies.
✔️ No income proof required
✔️ No CIBIL score needed
✔️ Builds long-term financial credibility
So start small, stay smart—and accelerate your credit journey now!