{
  "id": "bob-hpcl-energie",
  "locale": "en",
  "name": "HPCL ENERGIE BOBCARD",
  "bank": "Bank of Baroda",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)",
  "rewardsRate": "Up to 5.0% Fuel Savings (24 Reward Points / ₹150) at HPCL Pumps & HP Pay App · 1% Fuel Surcharge Waiver · 4 Lounges/Year",
  "bestFor": "Car owners, highway drivers, bike commuters, HPCL fuel buyers, and utility bill spenders",
  "officialLink": "https://www.bobcard.co.in/credit-card-types/hpcl-energie",
  "aiVerdict": {
    "score": 4,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.33,
  "affiliateId": "bob-hpcl-energie",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Bank of Baroda / BOBCARD — HPCL ENERGIE BOBCARD official schedule of charges and MITC",
    "Hindustan Petroleum Corporation Limited (HPCL) — 24 pts / ₹150 HPCL rewards, HP Pay cashback & lounge access terms"
  ],
  "feeWaiver": "Waived on annual spends exceeding ₹50,000 in previous anniversary year",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹499 + GST (Waived on ₹50k spend)"
    },
    {
      "key": "Fuel Savings",
      "value": "Up to 5.0% total savings at HPCL pumps & HP Pay"
    },
    {
      "key": "Fuel Reward Rate",
      "value": "24 Reward Points / ₹150 spent at HPCL"
    },
    {
      "key": "Airport Lounges",
      "value": "1 complimentary domestic visit / quarter (4 visits/year)"
    },
    {
      "key": "Utility & Grocery",
      "value": "10 Reward Points / ₹150 on utility bills and groceries"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹400 to ₹5,000 at HPCL"
    }
  ],
  "earnRates": [
    {
      "category": "HPCL Petrol Pumps & HP Pay App (24X)",
      "rate": "24 Points / ₹150 (4.0% + 1% waiver)",
      "monthlyCap": "Max 1,000 points / month",
      "perLakhSpent": "16,000 Points (~₹4,000 value)"
    },
    {
      "category": "Groceries & Utility Bills (10X)",
      "rate": "10 Points / ₹150 (1.67% value)",
      "monthlyCap": "Max 1,000 points / month",
      "perLakhSpent": "6,666 Points (~₹1,666 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2 Points / ₹150 (0.33% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,333 Points (~₹333 value)"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "HPCL Fuel Outlets & HP Pay",
      "multiplier": "24×",
      "rate": "24 Points / ₹150",
      "monthlyCap": "1,000 pts / month",
      "dailyCap": "—",
      "note": "24 points per ₹150 at HPCL pumps across India and HP Pay app."
    },
    {
      "channel": "Utility Bills & Supermarkets",
      "multiplier": "10×",
      "rate": "10 Points / ₹150",
      "monthlyCap": "1,000 pts / month",
      "dailyCap": "—",
      "note": "10 points per ₹150 on electricity, gas, water, and groceries."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "HPCL Fuel Refueling via HP Pay",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Non-HPCL fuel stations (IndianOil, BPCL, Shell).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST (Includes 2,000 Bonus Reward Points on setup)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived on ₹50,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000 transactions at HPCL (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹25,000+ per month (Salaried) or ₹3.6L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "720+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}