The essential fuel and rewards card for everyday motoring and household spend.
Up to 6.5% savings on HPCL fuel spends
10X points on departmental and utility spends
4 complimentary domestic lounge visits per year
Enter your details to get started
| Benefit | Details |
|---|---|
| Fuel Value-Back | Cardholders receive up to 6.5% value-back on HPCL fuel spends, combining accelerated reward points, Payback Points via HP Pay, and a fuel surcharge waiver. |
| Accelerated Rewards | Earn 10 Reward Points for every ₹150 spent on utility bill payments, groceries, and departmental store purchases. |
| Travel Comfort | The card provides access to four complimentary domestic airport lounge visits each year, capped at one visit per calendar quarter. |
| Annual Fee Waiver | The nominal annual fee is waived upon achieving annual expenditure of ₹50,000 or more. |
| Entertainment Benefit | A 25% discount, up to ₹100, is available on movie ticket bookings twice per month via the designated partner application. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda (BoB) / BoB Financial Solutions Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Fuel / Rewards / Utilities |
| Type of Card | Rupay |
| Free or Paid | ₹499 Annually + GST |
The HPCL Bank of Baroda ENERGIE Credit Card is suited for individuals who frequently use their vehicles and prefer HPCL fuel stations. Designed to maximise savings on everyday costs, the card offers substantial value-back on fuel, alongside accelerated rewards on essential household expenditure, such as utility payments, groceries, and shopping at departmental stores. Its low annual spend threshold for the fee waiver makes it an excellent choice for consumers seeking high returns without a high commitment.
Wide Acceptance: Available on the RuPay network, facilitating acceptance across India at participating merchant outlets and fuel stations.
Card Variant & Issuer: A co-branded fuel-focused credit card issued by Bank of Baroda (via its card-issuing arm) in partnership with Hindustan Petroleum Corporation, aimed at frequent fuel spenders.
Primary Focus: The card is geared mainly for fuel purchases at HPCL retail outlets, offering enhanced rewards on fuel transactions, with additional perks on everyday spending like groceries, utilities and departmental stores.
Add-on Cards: The privileges of the credit card can be extended to family members over the age of 18 years, with up to three lifetime free add-on cards available.
Smart EMI Facility (Flexipay): Cardholders have the option to convert high-value purchases of ₹2,500 or more into manageable monthly installments (EMIs) with flexible tenure options.
Complimentary Benefits: The card offers complimentary domestic airport lounge access (a limited number of visits per year) for the primary cardholder.
Digital Integration: The card integrates with the HP Pay App to facilitate seamless, secure fuel transactions and unlock the maximum value-back benefits.
HPCL Fuel, HP Pay App, and LPG: Earn 24 Reward Points per ₹150 spent, offering an equivalent 4% value-back on HPCL fuel transactions.
Departmental Stores & Utility Spends: Earn 10 Reward Points per ₹150 spent.
All Other Spends: Earn 2 Reward Points per ₹150 spent, applicable on general retail and online purchases.
Redemption Value: Each Reward Point holds a value of ₹0.25 when redeemed.
A welcome bonus of 500 Reward Points is credited to the cardholder's account upon spending ₹5,000 or more within the initial 60 days of the card issuance date.
Waiver Details: A 1% fuel surcharge waiver is provided on transactions ranging from ₹400 to ₹5,000 at HPCL stations nationwide.
Maximum Benefit: The benefit is capped at a maximum of ₹100 per statement cycle.
Cardholders are entitled to four complimentary visits to partnered domestic airport lounges per year. This benefit is subject to a condition of spending ₹20,000 in the preceding calendar quarter to qualify for a lounge visit in the current quarter (1 visit per quarter).
Get up to 25% off (maximum ₹100) on movie ticket bookings made through the District app. The offer is valid on a minimum booking of two tickets and can be availed twice per month, allowing cardholders to enjoy regular savings on entertainment.
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.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹499 + GST | One-time charge levied upon card issuance. |
| Annual Fee | ₹499 + GST | Charged yearly. Waived if annual spends of ₹50,000 or more are achieved in the preceding year. |
| Add-on Card Fee | ₹0 (Nil) | Up to three complimentary supplementary cards are available for family members. |
| Fuel Surcharge | 1% on transactions between ₹400–₹5,000 | Maximum waiver of ₹100 per statement cycle. |
| Finance Charges | 3.6% per month (43.2% p.a.) | Applicable on revolving credit or cash advances. |
| Criteria | Details |
|---|---|
Age (Primary Cardholder) | Minimum 21 years to Maximum 65 years |
Age (Add-on Cardholder) | Above 18 years |
Minimum Annual Income (Non-BoB Customer) | Salaried: ₹3,60,000 p.a. / Self-Employed: ₹4,80,000 p.a. |
Minimum Annual Income (BoB Customer) | Salaried or Self-Employed: ₹2,40,000 p.a. |
| Document Type | Details |
|---|---|
| Identity Proof | Copy of PAN Card |
| Address Proof | Aadhaar Card, Passport, Voter ID Card, or valid government-issued address proof. |
| Income Proof (Salaried) | Latest two months' bank statement reflecting salary credit, or salary slips. |
| Income Proof (Self-Employed) | Latest three months' bank statement reflecting business transactions. |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your HPCL Energie RuPay BOBCARD will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Fuel Savings | Utilise the card for fuel purchases at HPCL outlets, ensuring transactions are within the ₹400 to ₹5,000 range to secure the surcharge waiver benefit. |
Boost Daily Rewards | Use the card for all utility bill payments and shopping at departmental stores to consistently earn the 10X accelerated Reward Points. |
Redeem Wisely | Regularly check the Reward Points balance and redeem them for e-vouchers or statement credit to realise the monetary value of the earnings. |
Avail Travel Comfort | Maintain a quarterly spend of ₹20,000 to ensure eligibility for the complimentary domestic airport lounge access benefit in the subsequent quarter. |
The HPCL Energie RuPay BOBCARD 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.