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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaHPCL ENERGIE BOBCARD
Bank of Baroda

HPCL ENERGIE BOBCARD

Reward Points Entry Level
4.0/5.0CardwiseHQ Review
1st Year Fee: ₹499(Waived on ₹50,000 annual spends in every anniversary year)
Primary Reward
5% Savings (4% as 24 Reward Points per ₹150 + 1% Fuel Surcharge Waiver) on HPCL fuel, LPG & HP Pay App purchases
1st Year Fee
₹499
Fee Waiver
Waived on ₹50,000 annual spends in every anniversary year
4.0/5
Very Good
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Best Fuel Credit Card for Road Travelers & Petrol Spends

Fees & Charges

HPCL ENERGIE BOBCARD · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 499
Annual / Renewal Fee₹ 499
Fee Waiver ConditionWaived on ₹50,000 annual spends in every anniversary year

Rewards & Cashback

HPCL ENERGIE BOBCARD · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate5% Savings (4% as 24 Reward Points per ₹150 + 1% Fuel Surcharge Waiver) on HPCL fuel, LPG & HP Pay App purchases
Secondary Reward Rate2% Savings (10 Reward Points per ₹150) on utility & departmental stores; 0.5% (2 Reward Points per ₹150) on other categories
Max Cashback / Rewards (Monthly)Capped at 1000 Reward Points (₹250) each per statement for fuel and utility/departmental spends
Welcome / Joining Bonus500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Reward ExclusionsSelect MCCs, HP Pay wallet load, HP Pay Direct Debit transactions. UPI transactions only get core RPs, not accelerated RPs, welcome bonus, or fee waiver.

Features & Benefits

HPCL ENERGIE BOBCARD · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access Details4 complimentary domestic airport lounge accesses per year (1 per Quarter). Effective Jan 1, 2025, subject to minimum spends of ₹20,000 in the preceding calendar quarter.
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on HPCL fuel transactions between ₹400-₹5,000, including HP Pay App. Capped at ₹100 per statement.
EMI Conversion Available✓ Available
Add-on Card Available✓ Available

Eligibility

HPCL ENERGIE BOBCARD · Detailed eligibility

ParticularsDetails
Minimum Age21
Maximum Age65
Card VariantEntry Level
Best ForFuel Spends, Road Travelers, Utility & Departmental Stores

Pros & Cons

Advantages
  • Up to 5% savings on HPCL fuel and LPG purchases
  • Accelerated rewards on utility and departmental store spends
  • 4 complimentary domestic airport lounge accesses per year
  • 25% off on movie tickets (up to ₹100)
  • Low annual fee with easy waiver conditions
  • Lifetime free add-on cards for family members
  • Smart EMI options for large purchases
Disadvantages
  • Reward points and fuel surcharge waiver are capped monthly
  • Lounge access will require minimum spend from Jan 2025
  • Rewards not applicable on select MCCs; wallet loads/UPI have limitations

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.0/5
Very Good
Overall Editor Rating
Best For: Fuel Spends, Road Travelers, Utility & Departmental Stores

HPCL ENERGIE BOBCARD by Bank of Baroda is rated 4.0/5 by our editorial team. Best Fuel Credit Card for Road Travelers & Petrol Spends.

About HPCL ENERGIE BOBCARD

The HPCL ENERGIE BOBCARD is tailored for individuals seeking significant savings on fuel expenses and everyday spending. It offers up to 5% savings on fuel purchases at HPCL outlets, LPG, and via the HP Pay App, combining reward points and fuel surcharge waiver. Beyond fuel, cardholders can earn accelerated rewards on utility and departmental store purchases, making it a versatile choice for household expenses. This card also enhances travel and entertainment experiences with complimentary domestic airport lounge access and discounts on movie ticket bookings. With a low annual fee that can be waived through modest annual spending, and features like EMI conversion and lifetime free add-on cards, it provides both value and convenience for the primary cardholder and their family.

Quick Facts

Joining Fee₹499
Annual Fee₹499
Card VariantEntry Level
Lounge Access✓ Yes
Fuel Waiver✓ Yes