HPCL BoB ENERGIE Credit Card Vs. HPCL Energie RuPay BOBCARD
HPCL BoB ENERGIE Credit Card
HPCL Energie RuPay BOBCARD
Comparison of HPCL BoB ENERGIE Credit Card and HPCL Energie RuPay BOBCARD
Feature
HPCL BoB ENERGIE Credit Card
HPCL Energie RuPay BOBCARD
Annual Fee
₹499 + GST (~₹589)
₹499 + GST
Joining Fee
₹499 + GST (~₹589)
₹499 + GST
Welcome Benefits
Earn 500 reward points on spending ₹5,000 or more within 60 days of card issuance
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.
Interest Rate (APR)
3.6% per month (43.2% annually)
N/A
Foreign Currency Markup
3.5% + GST
N/A
Key Highlights
•HPCL Fuel Rewards
•Fuel Surcharge Waiver
•HP Pay App Cashback
•Accelerated Rewards
•Airport Lounge Access
•Movie Discounts
•Fuel Value-Back
•Accelerated Rewards
•Travel Comfort
•Annual Fee Waiver
•Entertainment Benefit
Dos
Use the card for all HPCL fuel purchases to earn 4% reward points, 1% surcharge waiver, and HP Pay cashback
Pay your credit card bill on time and in full to avoid 3.6% monthly interest and maintain a good credit score
Track monthly reward caps for fuel and utility categories to optimise benefits
Spend at least ₹50,000 annually to get the renewal fee waived
Use the HP Pay app for fuel payments to earn extra cashback
Utilise the card at HPCL outlets and for utility bills to maximise accelerated rewards.
Make use of the Smart EMI facility to convert large, unforeseen expenses into manageable instalments.
Keep track of the annual spend to ensure the ₹50,000 waiver threshold is reached.
Don'ts
Avoid loading the HP Pay wallet, as it does not earn reward points or surcharge waiver
Do not miss the minimum payment, as late fees range from ₹100 to ₹1,300
Avoid exceeding your credit limit to prevent overlimit charges of 2.5%
Avoid overspending just to meet fee waiver limits
Do not use the card at non-HPCL fuel stations if fuel rewards are your priority
Ignore the quarterly spend requirement if lounge access is a priority.
Use the card for HP Pay wallet loading, as these transactions are ineligible for reward points.
Miss the payment due date, as this will incur high finance charges and late payment fees.
