Drive your savings further with every fuel fill-up
Up to 6.5% savings on HPCL fuel spends
₹499 + GST (waived on ₹50,000 spends)
4 complimentary domestic airport visits per year
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| Benefit | Details |
|---|---|
| HPCL Fuel Rewards | Earn 24 reward points per ₹150 spent at HPCL retail outlets, providing up to 4% savings on fuel purchases. |
| Fuel Surcharge Waiver | Enjoy 1% fuel surcharge waiver on HPCL fuel transactions between ₹400-₹5,000, capped at ₹100 per statement cycle. |
| HP Pay App Cashback | Get additional 1.5% cashback as Payback Points when you fuel up using the HP Pay app. |
| Accelerated Rewards | Earn 10 reward points per ₹150 on departmental stores and utility bill payments for everyday savings. |
| Airport Lounge Access | Complimentary access to domestic airport lounges—1 visit per quarter (subject to ₹20,000 quarterly spend from 1st Jan 2025). |
| Movie Discounts | Save 25% (up to ₹100) on movie ticket bookings via District app, twice per month. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda (BOBCARD) |
| Bank / Non-bank | Bank-affiliated |
| Category | Fuel / Rewards |
| Type of Card | Co-branded Credit Card (HPCL Partnership) |
| Free or Paid | ₹499 + GST Annually (waived on spends of ₹50,000) |
The HPCL BoB ENERGIE Credit Card is the ideal choice for regular road travellers and commuters who frequently purchase fuel at HPCL petrol pumps. As a co-branded offering from Bank of Baroda and Hindustan Petroleum Corporation Limited, this card delivers exceptional value through fuel-specific rewards, surcharge waivers, and accelerated benefits on everyday spending categories like groceries and utilities. Beyond fuel savings, the card enhances your lifestyle with complimentary airport lounge access and entertainment discounts, making it a well-rounded option for value-conscious cardholders who want to maximise returns on routine expenses.
Fuel-First Savings: The HPCL BoB ENERGIE Credit Card is specifically designed to reward your fuel expenditure. With 24 reward points per ₹150 spent (equivalent to 4% savings) on all HPCL fuel purchases, plus a 1% fuel surcharge waiver and an additional 1.5% cashback through the HP Pay app, you can achieve combined savings of up to 6.5% on every tank fill.
Smart Everyday Rewards: Beyond fuel, the card accelerates your rewards on common spending categories. Earn 10 reward points per ₹150 on departmental stores and utility bill payments, and 2 reward points per ₹150 on all other eligible purchases, ensuring you benefit from every transaction.
Welcome Benefit: Kickstart your rewards journey with 500 bonus reward points when you spend ₹5,000 or more within the first 60 days of card issuance—worth ₹125 in redemption value.
Premium Travel Perks: Enjoy 4 complimentary domestic airport lounge visits annually at partner lounges (1 per quarter). Effective 1st January 2025, lounge access requires a minimum quarterly spend of ₹20,000 in the preceding calendar quarter.
Entertainment Savings: Movie buffs can save big with a 25% discount (up to ₹100) when booking a minimum of 2 tickets per transaction via the District app. This benefit can be availed twice per month, offering potential annual savings of up to ₹2,400.
Fee Waiver Made Easy: The annual fee of ₹499 is waived if you spend ₹50,000 or more during each anniversary year, making this card essentially free for regular users.
Flexible Add-on Cards: Extend the card's benefits to your family with up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children above 18 years of age.
Smart EMI Options: Convert purchases exceeding ₹2,500 into convenient EMIs ranging from 6 to 48 months, giving you financial flexibility on larger transactions.
RuPay Variant Available: The card is also available as a RuPay variant, enabling you to link it with UPI apps and earn rewards on UPI transactions whilst enjoying the convenience of digital payments.
The HPCL BoB ENERGIE Credit Card strikes an excellent balance between fuel-specific benefits and broader lifestyle rewards, making it particularly attractive for those with substantial monthly fuel expenditure at HPCL outlets and regular spending on utilities and groceries.
Fuel Purchases at HPCL
24 Reward Points per ₹150 Spent (4% Savings)
Earn accelerated rewards on all fuel purchases at HPCL retail outlets
Applicable on LPG cylinder purchases from HPCL
Valid on fuel transactions made through HP Pay app
Reward points capped at maximum 1,000 points per statement cycle
Transactions must be made at HPCL MIDs authorised and configured with BOBCARD
HP Pay wallet load transactions do not qualify for accelerated rewards
1.5% Additional Cashback via HP Pay App
Earn extra 1.5% cashback as Payback Points on fuel purchases through HP Pay app
Cashback credited for every ₹100 spent on fuel
Must register on the Payback website to redeem these points
HP Pay Direct Debit transactions do not qualify for this benefit
Departmental Stores & Utility Spends
10 Reward Points per ₹150 Spent (1.33% Savings)
Earn accelerated rewards on all departmental store purchases
Applicable on utility bill payments (electricity, water, gas, mobile, broadband)
Maximum 1,000 reward points can be earned per statement cycle in this category
Other Purchases
2 Reward Points per ₹150 Spent (0.33% Savings)
Earn on all other retail spends across categories
Includes dining, shopping, online purchases, and more
UPI transactions qualify only for core reward points (2 points per ₹150)
Reward Points Value: 1 Reward Point = ₹0.25
Important Notes:
Reward points are credited within 60 days of eligible transactions
Monthly capping of 1,000 reward points applies separately to accelerated categories (24 RP and 10 RP categories)
Reward programme is not applicable on select MCCs
UPI transactions do not qualify for joining rewards or annual fee waiver
1% Fuel Surcharge Waiver
Applicable on all HPCL fuel transactions between ₹400-₹5,000
Includes fuel purchases made through HP Pay app
Capped at ₹100 per statement per credit card account
GST component is not reversed
Surcharge rate may vary depending on fuel station and acquiring bank
HP Pay Direct Debit and wallet load transactions do not qualify
Eligible transaction amount is inclusive of GST & surcharge levied by acquiring bank
Note: The value of fuel transaction on charge slip will differ from the credit card statement since the fuel surcharge and GST are levied by the acquiring bank after the transaction.
Reward points earned on the HPCL BoB ENERGIE Credit Card can be redeemed through the BOBCARD rewards programme for various options including merchandise, vouchers, statement balance credit, and more. Check the BOBCARD rewards portal for current redemption options and rates.
500 Bonus Reward Points
Earn 500 reward points on spending ₹5,000 or more within 60 days of card issuance
Equivalent to ₹125 in redemption value
Points credited within 60 days of achieving the spend milestone
Fee Waiver on ₹50,000 Annual Spends
Annual fee of ₹499 is waived if you spend ₹50,000 or more in the anniversary year
Waiver applicable only to non-delinquent credit cardholders
Spend threshold must be met before the renewal date
Easy to achieve for regular users, especially those with consistent fuel and utility expenses
4 Complimentary Domestic Lounge Visits Per Year
1 complimentary visit per quarter at partner domestic airport lounges
Benefit available for primary cardholders only
Effective 1st January 2025: Subject to minimum spends of ₹20,000 in the preceding calendar quarter
Check the BOBCARD lounge terms & conditions document for the complete list of partner airport lounges and eligibility criteria
25% Discount on Movie Tickets
Get 25% off up to ₹100 on movie ticket bookings via District app
Must book a minimum of 2 tickets per transaction to qualify
Benefit can be availed twice per month (maximum potential savings: ₹200/month or ₹2,400/year)
Previously available on Paytm Movies as well (check current eligibility)
Up to 3 Lifetime Free Add-on Cards
Extend card benefits to family members
Available for spouse, parents, siblings, or children above 18 years
Add-on cardholders share the primary card's credit limit
No annual fee on add-on cards
Flexible Repayment Options
Convert purchases above ₹2,500 into EMIs
Tenure options from 6 months to 48 months
Interest rate communicated at time of conversion
Manage large expenses with convenient monthly instalments
Up to 50 Days Interest-Free
Avail up to 50 days of interest-free period on retail purchases from the statement date
Pay the full statement balance by the due date to avoid interest charges
Revolving Credit Facility
Enjoy revolving credit at 3.6% per month (43.2% per annum)
Refer to Fees and Charges section for complete details
Reward points are not available on the following transactions:
Cash advances
Fuel surcharge waiver amount
Rent payments
Wallet loads (including HP Pay wallet loads)
EMI transactions
Card fees and charges
Transactions on select MCCs as defined by BOBCARD
UPI transactions do not qualify for accelerated rewards or joining bonus
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice. Please visit the official BOBCARD website for the most current information.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹499 + GST (~₹589) | One-time charge when the card is issued. |
| Annual Fee | ₹499 + GST (~₹589) | Charged every year. Waived on annual spends of ₹50,000 or more in the anniversary year. Annual fee waiver is applicable only to non-delinquent credit cardholders. |
| Add-on Card Fee | Nil | Lifetime free for up to 3 add-on cards. |
| Interest Rate (APR) | 3.6% per month (43.2% annually) | Applicable on outstanding balances and revolving credit. |
| Foreign Currency Markup | 3.5% + GST | Applicable on all international transactions. |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹300) | Charged on cash withdrawals at ATMs or bank branches. |
| Overlimit Charges | 2.5% of overlimit amount | Charged when spending exceeds the sanctioned credit limit. |
| Fuel Surcharge Waiver Cap | Maximum ₹100 per statement | 1% waiver on HPCL fuel transactions between ₹400-₹5,000. |
| Reward Points Cap | 1,000 points per category per month | Separate caps for 24 RP and 10 RP accelerated categories. |
| Smart EMI Processing Fee | As communicated at time of conversion | Interest rate and processing charges disclosed during EMI conversion. |
| Criteria | Details |
|---|---|
Age | Primary Cardholder: 21 to 60 years (Salaried) / 24 to 65 years (Self-Employed); Add-on Cardholder: Must be above 18 years of age |
Citizenship | Must be a Resident of India |
Credit Score | Good CIBIL score (ideally 750+) recommended for faster approval |
Income - Non-BoB Customers | Salaried: ₹3.60 lakh per annum or more; Self-Employed: ₹4.80 lakh per annum or more |
Income - Existing BoB Customers | Salaried or Self-Employed: ₹2.40 lakh per annum or more |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card (Mandatory), Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof - Permanent Address | Any one of the following: Aadhaar Card (both sides), Voter ID Card issued by Election Commission of India, Passport, Driving Licence, Job Card issued by NREGA duly signed by an officer of the State Government, Letter issued by the National Population Register containing details of name and address |
| Address/Residence Proof - Present Address (if different) | Utility bill (not more than two months old), Recent municipal or property tax receipt, Pension or Family Pension Payment Orders (PPOs) for retired employees of Government Departments or Public Sector Undertakings, Letter of Allotment of accommodation from employer issued by Central or State Government Departments, Statutory or Regulatory Bodies, Public Sector Undertakings, Scheduled Commercial Banks, Financial Institutions and Listed Companies, Leave and Licence Agreements with proper documentation |
| Income Proof - Salaried Individuals | Bank statement reflecting salary credit for last 2 months, Salary slips (if submitted, must be accompanied by bank statement as well) |
| Income Proof - Self-Employed | Last 3 months' bank statement (PDF file format preferred) reflecting business transactions |
| Income Proof - Credit-on-Card (CAC) Customers | Latest credit card statement from existing card |
| Photograph | Recent passport-size photograph with clear/white background and without dark or tinted glasses |
| PAN Card | PAN Card is mandatory for all credit card applications in India |
| Application Form | Duly filled and signed credit card application form |
Step 1: Click on Apply Now - Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details - Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents - Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application - Review all the details and click Submit.
Step 5: Approval & Card Delivery - Once approved, your HPCL BoB ENERGIE Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise HPCL Fuel Rewards | Always use your card at HPCL retail outlets for fuel purchases to earn 24 reward points per ₹150 (4% savings) plus 1% surcharge waiver. Track monthly caps to optimise spending. |
Leverage HP Pay App Benefits | Download the HP Pay app and link your card to earn an additional 1.5% cashback as Payback Points on fuel purchases. Remember to register on the Payback website to redeem these points. |
Use for Utilities & Groceries | Maximise the 10 reward points per ₹150 benefit on utility bill payments and departmental store purchases. Set up autopay for recurring bills to never miss rewards. |
Track Monthly Reward Caps | Monitor your monthly reward point earnings as accelerated categories (24 RP and 10 RP) are capped at 1,000 points each per statement cycle. Plan high-value purchases accordingly. |
Maintain Annual Spend Threshold | Ensure you spend at least ₹50,000 annually to get the renewal fee waived. With regular fuel and utility expenses, this threshold is easy to achieve. |
Unlock Lounge Access | From 1st January 2025, spend minimum ₹20,000 per quarter to unlock complimentary airport lounge access for that quarter. Track your quarterly spends to enjoy this benefit. |
Book Movies via District App | Use the District app to book movie tickets and save 25% (up to ₹100) twice per month. Always book minimum 2 tickets per transaction to qualify. |
Set Up Add-on Cards | Get up to 3 free add-on cards for family members to extend benefits and consolidate household spending for faster milestone achievement. |
Convert Large Purchases to EMI | For purchases above ₹2,500, consider the Smart EMI facility to convert into instalments ranging from 6-48 months for better cash flow management. |
Pay Full Balance to Avoid Interest | Always pay your full statement balance by the due date to enjoy the interest-free period of up to 50 days and avoid finance charges of 3.6% per month. |
Avoid Wallet Loads & Cash Advances | HP Pay wallet loads and cash advances do not earn reward points or fuel surcharge waiver. Use the card directly for transactions instead. |
Link for UPI Payments (RuPay Variant) | If you have the RuPay variant, link it with UPI apps to earn 2 reward points per ₹150 on UPI transactions (note: UPI spends don't count towards fee waiver). |
Check Fuel Surcharge Eligibility | Ensure your HPCL fuel transactions are between ₹400-₹5,000 to qualify for the 1% surcharge waiver (capped at ₹100 per month). |
The HPCL BoB ENERGIE Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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