Is the HPCL ENERGIE BOBCARD Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Fuel card
- Needs ₹30,000 a month income
- ₹589 fee a year (with GST)
- Fee waived from ₹4,167 a month
- 0.33% base, up to 1.67% on utility bills; 4% only at partner merchants
- 4 lounge visits a year
- Pays in reward points
- fuel only at Eligible HPCL retail outlets on the HPCL/BOBCARD merchant: 4% back, up to ₹250 a month
- groceries only at Departmental stores only: 1.67% back, up to ₹250 a month
- spending ₹4,167 or more a month: the ₹589 fee is waived
- flyers: 4 airport lounge visits a year
- you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
- most of your spending is rent, insurance, education or wallet top-ups: those earn nothing on this card
- you rarely spend on Eligible HPCL retail outlets on the HPCL/BOBCARD merchant: the 4% rate applies only there, everything else earns 0.33%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 2 reward points per ₹150 (~0.3% at ₹0.25/point) on all other categories, including UPI spends
Also earns nothing on: Supermarkets / convenience stores / general retail (MCC 5261/5331/5411/5499), Transport / toll / bus, Fast food restaurants, Fuel outside HPCL's eligible-merchant list.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 0.33% | No cap | The card's normal rate | - |
| Online shopping | 0.33% | No cap | The card's normal rate | - |
| Dining and food delivery | 0.33% | No cap | The card's normal rate | - |
| Groceries | 0.33% | No cap | Anywhere else in the category | - |
| Groceries, only at listed merchants | 1.67% | ₹250, shared with other bonus rates | Only at: Departmental stores only. Supermarkets, convenience stores, variety stores and general retail stores (MCC 5261, 5331, 5411, 5499) earn no reward points on any BOBCARD variant.Terms: 10 RP per ₹150 (~1.7%) at departmental stores; capped at 1,000 RP per statement, shared with the utility tier. Supermarkets and convenience stores are excluded from the reward programme | - |
| Travel: flights, hotels, trains | 0.33% | No cap | The card's normal rate | - |
| Fuel | 0.33% | No cap | Anywhere else in the category | - |
| Fuel, only at listed merchants | 4% | ₹250 | Only at: Eligible HPCL retail outlets on the HPCL/BOBCARD merchant (MID/TID) list, HPCL LPG and the HP Pay app. Fuel bought at HPCL outlets outside that list, at other fuel brands, and HP Pay wallet loads and direct debits do not earn the accelerated rate.Terms: 24 RP per ₹150 (~4% at ₹0.25/point) at eligible HPCL outlets, capped at 1,000 RP per statement (~₹6,250 of monthly HPCL spend). Restricted to HPCL's eligible-outlet list w.e.f. 15 July 2026 | - |
| Bills and recharges | 1.67% | ₹250, shared with other bonus rates | All merchants in the categoryTerms: 10 RP per ₹150 (~1.7% at ₹0.25/point) on utility bills; the 10-RP tier is capped at 1,000 RP per statement, shared with departmental-store spend | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | Earns nothing | - | earns nothing on this card | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 0.33% | No cap | The card's normal rate | - |
| Everything else | 0.33% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
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