The verdict
One of the best entry-level fuel credit cards in India. Unlike competing fuel cards that exclude airport lounges, HPCL ENERGIE BOBCARD combines 5% fuel savings with 4 domestic airport lounge visits per year at a low ₹499 fee.
The maths for it
Spending ₹5,000/month on HPCL petrol earns 9,600 points/year (₹2,400 fuel value). Adding 1% surcharge waiver (₹600), 4 domestic airport lounge visits (~₹4,800), and ₹50,000 spend fee waiver delivers over ₹8,290 in net annual automotive value against a ₹499 fee.
The maths against
Cardholders who refuel primarily at IndianOil or BPCL outlets should consider SBI BPCL Octane or HDFC IndianOil.
✓What works
- +Up to 5.0% total fuel savings (24 reward points per ₹150 spent) at all HPCL petrol pumps and HP Pay app.
- +1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at HPCL outlets.
- +10 reward points per ₹150 spent on utility bills, supermarket groceries, and departmental stores.
- +1 complimentary domestic airport lounge visit per calendar quarter (4 visits/year).
- +100% annual renewal fee waiver upon spending ₹50,000 in a card anniversary year.
- +Available on RuPay network for UPI QR payments.
✕What doesn't
- −₹499 + GST joining and renewal fee.
- −5% accelerated rate is valid only at HPCL fuel stations.
- −Fuel reward points are capped at 1,000 points per billing cycle.
What it earns
1 BOBCARD Reward Point = ₹0.25 for HPCL fuel redemption, statement credit, or brand vouchers.
| Category | 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
Earn up to 5% at HPCL pumps and enjoy 1 domestic airport lounge per quarter.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| HPCL Fuel Outlets & HP Pay24 points per ₹150 at HPCL pumps across India and HP Pay app. | 24× · 24 Points / ₹150 | 1,000 pts / month | — |
| Utility Bills & Supermarkets10 points per ₹150 on electricity, gas, water, and groceries. | 10× · 10 Points / ₹150 | 1,000 pts / month | — |
Redemption options
Redeem points directly for free fuel at HPCL pumps or for statement credit on BOBCARD portal.
| 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, and utility bills.
- +Domestic airport lounges (1 per quarter).
- +1% fuel surcharge waiver across India.
✕Excluded Spends & Fee Traps
- −Non-HPCL fuel stations (IndianOil, BPCL, Shell).
- −ATM cash withdrawals.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹499 + GST (Includes 2,000 Bonus Reward Points on setup) |
| Annual Renewal Fee | ₹499 + GST (Waived on ₹50,000 annual spend) |
| Finance Charges (Interest Rate) | 3.49% per month (41.88% per annum) |
| Foreign Currency Markup | 3.50% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹400 to ₹5,000 transactions at HPCL (Max ₹250/month) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 21 to 65 years |
| Minimum Monthly Income | ₹25,000+ per month (Salaried) or ₹3.6L+ ITR (Self-Employed) |
| Credit Score (CIBIL) | 720+ recommended for smooth approval |
Frequently Asked Questions
Does HPCL ENERGIE BOBCARD offer airport lounge access?
Yes. Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)
What are the MITC charges, annual fees, and interest rates for HPCL ENERGIE BOBCARD?
The annual renewal fee is ₹499 + GST (Waived on ₹50,000 annual spend). Fee waiver condition: Waived on annual spends exceeding ₹50,000 in previous anniversary year. Revolving balance finance charges: 3.49% per month (41.88% per annum). Foreign currency markup: 3.50% + GST. Check the current issuer MITC for other or missing charges.
What is the reward rate and point redemption value on HPCL ENERGIE BOBCARD?
Published earn rate: Up to 5.0% Fuel Savings (24 Reward Points / ₹150) at HPCL Pumps & HP Pay App · 1% Fuel Surcharge Waiver · 4 Lounges/Year. Listed HPCL Fuel Refueling via HP Pay value: ₹0.25 / Reward Point.
Which transactions are excluded from earning rewards on HPCL ENERGIE BOBCARD?
Listed exclusions: Non-HPCL fuel stations (IndianOil, BPCL, Shell)., ATM cash withdrawals.. Listed fuel surcharge waiver: 1% waiver on ₹400 to ₹5,000 transactions at HPCL (Max ₹250/month).
Who is HPCL ENERGIE BOBCARD best suited for in 2026?
The card details describe it as suited to Car owners, highway drivers, bike commuters, HPCL fuel buyers, and utility bill spenders. Compare its terms with your spending and annual fee.
Editorial Deep-Dive Analysis
Comprehensive Overview: HPCL ENERGIE BOBCARD
The HPCL ENERGIE BOBCARD is Bank of Baroda’s dedicated co-branded fuel credit card engineered in strategic collaboration with Hindustan Petroleum Corporation Limited (HPCL). Available on RuPay and Visa networks with an affordable annual fee of ₹499 + GST, the renewal fee is completely waived on achieving ₹50,000 in eligible retail spending within the previous card anniversary year.
Tailored for daily vehicle commuters, highway travelers, and logistics operators, the card provides up to 5.0% total fuel valueback at HPCL petrol pumps and via the HP Pay mobile app (combining 24 reward points per ₹150 spent and a 1% fuel surcharge waiver). Enhanced with a 2,000 bonus points welcome gift, 10 reward points per ₹150 on utility and grocery expenses, 4 complimentary domestic airport lounge visits annually, and cinema ticket discounts, it serves as a versatile everyday mobility card.
Key Privileges and Practical Everyday Benefits
- Up to 5.0% Fuel Valueback at HPCL Stations: Earn 24 reward points per ₹150 spent (4.0% return at 1 point = ₹0.25) when paying at HPCL retail pumps or recharging via the HP Pay app, plus 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹100 per cycle).
- 2,000 Welcome Bonus Reward Points: Receive 2,000 reward points worth ₹500 upon spending ₹5,000 within the first 60 days of card issuance, fully offsetting the ₹499 joining fee.
- Accelerated Grocery & Utility Points: Earn 10 reward points per ₹150 spent (1.67% return) on departmental stores, supermarket groceries, and monthly utility bill payments (capped at 1,000 points per cycle).
- Complimentary Domestic Airport Lounge Access: Enjoy 1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually) across Indian terminals.
- Entertainment Discounts & Modest Fee Waiver: Get a 25% discount up to ₹100 per transaction on movie tickets via District / Paytm Movies (twice a month), with full renewal fee waiver upon spending ₹50,000 annually.
Important Terms and Spend Conditions to Keep in Mind
- Fuel Rewards Monthly Cap: Accelerated fuel reward points are capped at 1,000 reward points per billing cycle (corresponding to an optimal monthly fuel spend of ₹6,250 at HPCL).
- Fuel Surcharge Waiver Limits: Surcharge waiver requires a minimum transaction of ₹400 and is capped at ₹100 per statement cycle.
- HPCL Merchant Terminal Prerequisite: Fuel reward points and surcharge waivers apply strictly to HPCL retail outlets and POS terminals.
- Excluded Categories: Non-HPCL fuel stations, wallet reloads, ATM cash withdrawals, and rent payments do not earn reward points.
- Finance Charges (APR): Unpaid revolving statement balances attract standard interest charges of 3.49% per month (41.88% per annum).
Who Benefits Most
- Daily Motorists & Highway Commuters: Drivers spending ₹3,000 to ₹7,000 monthly on petrol or diesel at HPCL stations.
- HP Pay Digital App Users: Spenders who use the HP Pay wallet for contactless fuel dispensing and loyalty promotions.
- Value-Conscious Travelers: Motorists who appreciate complimentary airport lounge access and grocery rewards integrated into an entry-level fuel card.
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
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