The verdict
India ke best fuel credit cards mein se ek. Baki fuel cards ke opposite jo airport lounges nahi dete, HPCL ENERGIE card sirf ₹499 fee mein 5% fuel savings ke sath 4 domestic airport lounges bhi deliver karta hai.
The maths for it
HPCL par ₹5,000/month petrol spend karne par saal ke 9,600 points (₹2,400 fuel value) bante hain. 1% fuel surcharge waiver (₹600), 4 domestic lounges (~₹4,800) aur ₹50,000 spend fee waiver add karke ₹499 fee ke against saal ka ₹8,290+ net automotive value nikalta hai.
The maths against
Jo commuters primarily IndianOil ya BPCL par fuel bharwate hain, unke liye SBI BPCL Octane better rahega.
✓What works
- +HPCL petrol pumps aur HP Pay app par up to 5.0% total fuel savings (24 reward points per ₹150).
- +HPCL outlets par ₹400 se ₹5,000 ke fuel transactions par 1% surcharge waiver.
- +Supermarket groceries aur utility bills par 10 reward points per ₹150.
- +Har calendar quarter 1 complimentary domestic airport lounge visit (saal ke 4 visits).
- +Saal mein ₹50,000 spend karne par 100% annual renewal fee waiver.
- +RuPay network par available for instant UPI QR payments.
✕What doesn't
- −₹499 + GST joining aur annual renewal fee.
- −5% accelerated rate strictly HPCL outlets par valid hai.
- −Fuel reward points par 1,000 points per cycle ki cap hai.
What it earns
1 BOBCARD Reward Point = ₹0.25 value for HPCL fuel or statement credit.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| HPCL Petrol Pumps & HP Pay App (24X) | 24 Points / ₹150 (4.0% + 1% waiver) | Max 1,000 points / month | 16,000 Points (~₹4,000 value) |
| Groceries & Utility Bills (10X) | 10 Points / ₹150 (1.67% value) | Max 1,000 points / month | 6,666 Points (~₹1,666 value) |
| All Other Domestic Retail Spends | 2 Points / ₹150 (0.33% value) | Uncapped | 1,333 Points (~₹333 value) |
Accelerated earn
5% HPCL Fuel Savings + 4 Domestic Lounges
HPCL pumps par 5% save karein aur har quarter 1 domestic airport lounge enjoy karein.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| HPCL Fuel Outlets & HP PayHPCL pumps aur HP Pay app par 24 points per ₹150. | 24× · 24 Points / ₹150 | 1,000 pts / month | — |
| Utility Bills & SupermarketsElectricity, gas, water aur groceries par 10 points per ₹150. | 10× · 10 Points / ₹150 | 1,000 pts / month | — |
Redemption options
Points ko HPCL pumps par free fuel ke liye adjust karein ya BOBCARD portal par cash credit karein.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| HPCL Fuel Refueling via HP PayBEST VALUE | ₹0.25 / Reward Point | 1,000 pts | None | Nil |
| Statement Cash CreditBEST VALUE | ₹0.25 / Reward Point | 1,000 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +HPCL fuel, HP Pay app, groceries, supermarkets aur utility bills.
- +Domestic airport lounges (1 per quarter).
- +1% fuel surcharge waiver across India.
✕Excluded Spends & Fee Traps
- −Non-HPCL petrol pumps (IndianOil, BPCL, Shell).
- −ATM cash withdrawals.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹499 + GST (2,000 Bonus Points Included) |
| Annual Renewal Fee | ₹499 + GST (Saal mein ₹50,000 spend par waived) |
| Finance Charges (Interest Rate) | 3.49% per month (41.88% per annum) |
| Foreign Currency Markup | 3.50% + GST |
| Fuel Surcharge Waiver | HPCL par ₹400 se ₹5,000 ke transactions par 1% waiver (Max ₹250/month) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 21 se 65 saal |
| Minimum Monthly Income | ₹25,000+ per month (Salaried) ya ₹3.6L+ ITR (Self-Employed) |
| Credit Score (CIBIL) | 720+ recommended for smooth approval |
Frequently Asked Questions
Kya HPCL ENERGIE BOBCARD par airport lounge access milta hai?
Haan. Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)
HPCL ENERGIE BOBCARD ke MITC charges, annual fee aur interest rate kya hain?
Annual renewal fee ₹499 + GST (Saal mein ₹50,000 spend par waived) hai. Fee waiver condition: Previous anniversary year mein ₹50,000 se adhik spend karne par annual renewal fee waived. Revolving credit interest rate: 3.49% per month (41.88% per annum). Foreign currency markup: 3.50% + GST. Baaki ya missing charges ke liye bank ka current MITC check karein.
HPCL ENERGIE BOBCARD par reward rate aur points ki real rupee value kya hai?
Published earn rate: HPCL pumps aur HP Pay app par 5.0% tak Fuel Savings (24 Reward Points / ₹150) · 1% Fuel Surcharge Waiver · 4 Lounges/Year. HPCL Fuel Refueling via HP Pay par listed value: ₹0.25 / Reward Point.
HPCL ENERGIE BOBCARD par kin spends par rewards nahi milte aur fuel terms kya hain?
Listed exclusions: Non-HPCL petrol pumps (IndianOil, BPCL, Shell)., ATM cash withdrawals.. Listed fuel surcharge waiver: HPCL par ₹400 se ₹5,000 ke transactions par 1% waiver (Max ₹250/month).
2026 mein HPCL ENERGIE BOBCARD kin users ke liye best suited hai?
Card details ke mutabik yeh "Car owners, bike commuters, highway drivers, HPCL fuel buyers aur utility bill spenders" ke liye suited hai. Apne spends aur annual fee se value compare karein.
Editorial Deep-Dive Analysis
Detailed Overview: HPCL ENERGIE BOBCARD
HPCL ENERGIE BOBCARD Bank of Baroda (BOBCARD) ka dedicated co-branded fuel credit card hai jise Hindustan Petroleum Corporation Limited (HPCL) ke sath partner karke develop kiya gaya hai. RuPay aur Visa platforms par available is card ki annual fee ₹499 + GST hai, jo previous anniversary year mein ₹50,000 retail spend complete karne par 100% waive ho jaati hai.
Daily car aur bike commuters, highway road-trippers, aur logistics users ke liye yeh card HPCL petrol pumps aur HP Pay app par up to 5.0% total fuel valueback deta hai (24 reward points per ₹150 spend + 1% fuel surcharge waiver). Iske sath 2,000 welcome bonus points, utilities aur groceries par 10 reward points per ₹150, 4 complimentary domestic airport lounge visits, aur cinema discounts is card ko ek highly versatile everyday mobility card banate hain.
Key Privileges aur Everyday Benefits
- Up to 5.0% Fuel Valueback at HPCL Outlets: HPCL fuel pumps par card swipe karne ya HP Pay app se recharge karne par 24 reward points per ₹150 spend (4.0% value at 1 pt = ₹0.25) aur ₹400 se ₹5,000 ke fuel transactions par 1% fuel surcharge waiver (up to ₹100 per cycle) payein.
- 2,000 Welcome Bonus Reward Points: Card issuance ke first 60 days mein ₹5,000 spend complete karne par ₹500 value ke 2,000 bonus points, jo ₹499 joining fee ko completely offset karte hain.
- Accelerated Grocery & Utility Rewards: Supermarket groceries aur recurring utility bills par 10 reward points per ₹150 spend (1.67% return, capped at 1,000 points per cycle) earn karein.
- Complimentary Domestic Airport Lounges: Major Indian airports par per calendar quarter 1 complimentary lounge visit (annual 4 visits) enjoy karein.
- Movie Discounts & Easy Spend Waiver: District / Paytm Movies par movie tickets par 25% discount (up to ₹100 per transaction, twice a month) aur saal mein ₹50,000 spend par renewal fee 100% waived.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- Monthly Fuel Points Cap: Accelerated fuel reward points per billing cycle 1,000 points par capped hain (optimal monthly spend of ₹6,250 at HPCL).
- Fuel Surcharge Waiver Limit: Surcharge waiver minimum ₹400 transaction size par apply hota hai aur monthly ₹100 par capped hai.
- HPCL Merchant Terminal Requirement: Fuel rewards aur surcharge waiver strictly authorized HPCL POS machines aur HP Pay transactions par hi valid hain.
- Excluded Categories: Non-HPCL petrol pumps, wallet top-ups, ATM cash advances, aur rent payments par points nahi milte.
- Financing Charges (APR): Unpaid revolving statement balances par monthly 3.49% (41.88% per annum) interest charges lagte hain.
Yeh Card Kinke Liye Best Fit Hai
- Regular Commuters & Drivers: Jo monthly ₹3,000 se ₹7,000 petrol ya diesel HPCL stations se purchase karte hain.
- HP Pay App Users: Jo seamless digital fuel payments aur contactless discounts prefer karte hain.
- Value Seekers: Jo ek budget-friendly fuel card mein domestic airport lounge access aur grocery multipliers chahte hain.
linkVerified Data & Notice 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
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
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📋 Official Bank Terms & MITC Verification:Reward rates aur fees publicly available bank circulars aur MITC documents par based hain. Apply karne se pehle official bank portal par terms zaroor verify karein. Approval ka final decision exclusively Bank of Baroda ke paas hota hai.
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