HPCL BOBCARD ENERGIE Credit Card
Best for hPCL fuel spenders. 24 RP per Rs 150 on HPCL fuel; 10 RP per Rs 150 on departmental stores & utilities; 2 RP per Rs 150 otherwise; 1 RP = Rs 0.25
Terms as of 2026-09-27 · Checked 30 September 2026HPCL BOBCARD ENERGIE Credit Card at a glance
Who it suits: HPCL fuel spenders
Rewards & cashback
| Details | |
|---|---|
| How you earn | 24 RP per Rs 150 on HPCL fuel; 10 RP per Rs 150 on departmental stores & utilities; 2 RP per Rs 150 otherwise; 1 RP = Rs 0.25 |
| Caps & exclusions | Accelerated points capped at 1,000 RP per month |
| Welcome benefit | 500 bonus RP on Rs 5,000 spend in 60 days |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹396 | ₹396 |
| ₹3,00,000 / year | ₹990 | ₹990 |
| ₹6,00,000 / year | ₹1,980 | ₹1,980 |
| ₹12,00,000 / year | ₹3,960 | ₹3,960 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 1 domestic per quarter (max 4/yr) on Rs 20,000 quarterly spend |
| Fuel surcharge | Up to 6.5% savings at HPCL incl. 1% surcharge waiver (max Rs 100/month) |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹499 + GST |
| Annual / renewal fee | ₹499 + GST |
| Fee waiver | Annual fee waived on Rs 50,000 annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | 360000 |
| Age | 21-65 (primary), 18+ add-on |
| Credit score | 750+ improves approval chances |
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Frequently asked questions
What is the annual fee of the HPCL BOBCARD ENERGIE Credit Card?
Joining fee ₹499 and annual fee ₹499 (plus 18% GST). Annual fee waived on Rs 50,000 annual spend.
What rewards does it offer?
24 RP per Rs 150 on HPCL fuel; 10 RP per Rs 150 on departmental stores & utilities; 2 RP per Rs 150 otherwise; 1 RP = Rs 0.25 Caps/exclusions: Accelerated points capped at 1,000 RP per month
Does it give airport lounge access?
1 domestic per quarter (max 4/yr) on Rs 20,000 quarterly spend
Who is eligible?
360000. A CIBIL score of 750+ improves approval chances.
Is the HPCL BOBCARD ENERGIE Credit Card good for me?
Best for: HPCL fuel spenders. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Bank of Baroda (BOBCARD)’s website before applying. FinancePortal is not affiliated with the issuer.