So today when i was headed for my daily commute…I stopped at the BPCL petrol pump for refuling my vehicle and whn i swiped my SBI BPCL CC…an idea struck me can i convert this purchase into emi wouldn’t be that convenient..Any one has given any thought on this??
Hello there @Shivam…With another Banger of a question!..you are like hero for this community.. Not all heroes wear capes—some ask bangers like this.
Answering your question I have to dig up the whole internet…And i curate this list
 Transaction Type |
 Why It’s Not Eligible |
|---|---|
| Cash withdrawals | Treated as credit advance, not purchases. No merchant involved. |
| Wallet loads (Paytm, PhonePe, etc.) | Not a physical product/service; considered cash-like. |
| Fuel transactions | Often excluded due to fluctuating fuel surcharges and low margins. |
| Jewelry/gold purchases | High fraud risk, speculative asset, often excluded by policy. |
| Rent payments (via apps) | Viewed as P2P or non-commercial; banks flag these as sensitive. |
| Education or donation payments | Not considered consumer spending by many banks. |
| International transactions | High FX conversion risk and GST complications. |
| Government payments (taxes, challans, etc.) | Government payments are often not routed through EMI-enabled gateways. |
| Multiple partial transactions | If not a single, clear large payment, bank’s EMI system may not allow it. |
| Already discounted/EMI-marked payments (like Amazon/Flipkart No-Cost EMI) | These are already EMI and may not be reconverted or rescheduled. |
| UPI payments via credit cards (if allowed) | These are still new and mostly treated like cash or wallet loads. |
I hope this helps..
Happy swiping…
Nice thought, but unfortunately, fuel purchases are generally not eligible for EMI conversion on most credit cards, including SBI BPCL. Same goes for a few other categories like wallet loads, cash withdrawals, and certain utility or government payments.
EMI options are usually offered for retail purchases like electronics, appliances, travel bookings, or other high-ticket items. Fuel spends are considered recurring and low-margin, so banks don’t let you split them into EMIs.
You can always double-check in your card’s app or customer care, but for something like a ₹1,500–₹2,000 fuel swipe, EMI conversion won’t be allowed in most cases.