This is an awareness post regarding SBI Credit Cards:
I have an SBI BPCL Fuel Credit card (Rupay Variant). In my last month's bill, I noticed that SBI has not credited additional Reward points for fuel transactions and the Reversal of Fuel Surcharges for my card. Even the other spends where I was entitled to get 5x RP or higher were not credited and I was just credited with 1x RP for my entire spending. Then I also happened to check with my friend who has the same card. Even for him SBI cards had not credited RPs and wavered off the Fuel Surcharges. Then I checked for older transactions and with complex calculations, I noticed that SBI is not crediting proper reward points and not reversing fuel surcharge for most of the transactions. Initially, I reached out to Customer care and received a poor response and I escalated the issue until I got a resolution. After escalating to the highest level and looping in RBI, they casually stated that this might be due to a system error and that they had notified the corresponding team & finally, they manually added the reward points for 3-4 months' worth of transactions and reversed the surcharges.
Next month, I noticed that the reward points and fuel surcharges were reflecting correctly, however, for my friend, the numbers did not tally up. Now I believe that this issue is a big scam by SBI across credit card holders (at least to that of the SBI BPCL Rupay card). To all those who are reading this post and have an SBI card, please check your Reward points and fuel surcharge waivers, and if you see a discrepancy raise it with SBI Customer Care. Also, SBI plays smartly by just mentioning the overall accrued RPs for the statement month and not giving the split for each transaction. This makes it hard for consumers to validate the Reward points and they exploit that loophole to their advantage.
So for a couple of months, just use the Card for BPCL fuel transactions and calculate the proportionate fuel surcharge waiver and reward points. Then based on that info catch SBI by the neck and escalate to the highest level. Only then will they start crediting the RP and Surcharge waivers correctly.
I have an SBI BPCL Fuel Credit card (Rupay Variant). In my last month's bill, I noticed that SBI has not credited additional Reward points for fuel transactions and the Reversal of Fuel Surcharges for my card. Even the other spends where I was entitled to get 5x RP or higher were not credited and I was just credited with 1x RP for my entire spending. Then I also happened to check with my friend who has the same card. Even for him SBI cards had not credited RPs and wavered off the Fuel Surcharges. Then I checked for older transactions and with complex calculations, I noticed that SBI is not crediting proper reward points and not reversing fuel surcharge for most of the transactions. Initially, I reached out to Customer care and received a poor response and I escalated the issue until I got a resolution. After escalating to the highest level and looping in RBI, they casually stated that this might be due to a system error and that they had notified the corresponding team & finally, they manually added the reward points for 3-4 months' worth of transactions and reversed the surcharges.
Next month, I noticed that the reward points and fuel surcharges were reflecting correctly, however, for my friend, the numbers did not tally up. Now I believe that this issue is a big scam by SBI across credit card holders (at least to that of the SBI BPCL Rupay card). To all those who are reading this post and have an SBI card, please check your Reward points and fuel surcharge waivers, and if you see a discrepancy raise it with SBI Customer Care. Also, SBI plays smartly by just mentioning the overall accrued RPs for the statement month and not giving the split for each transaction. This makes it hard for consumers to validate the Reward points and they exploit that loophole to their advantage.
So for a couple of months, just use the Card for BPCL fuel transactions and calculate the proportionate fuel surcharge waiver and reward points. Then based on that info catch SBI by the neck and escalate to the highest level. Only then will they start crediting the RP and Surcharge waivers correctly.
