Bank of Baroda
HPCL ENERGIE BOBCARD Credit Card
Data last verified: 11 October 2026
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Reward rate0.33% base, up to 1.67% on utility bills; 4% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Fee waiverOn ₹50,000 spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
01HPCL ENERGIE BOBCARD Credit Card Rewards and Benefits
02HPCL ENERGIE BOBCARD Credit Card Annual Fee and Charges
- Joining fee
- ₹499 + GST
- Annual fee
- ₹499 + GST
- Spend-based waiver
- Annual fee waived on ₹50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on bills and recharges, earning 1.67%₹84
- ₹15,000 on everything else, earning 0.33%₹50
- Back each month, ₹1,608 a year₹134
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,608
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- 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
Skip it if…
- 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
04How HPCL ENERGIE BOBCARD Credit Card earns Rewards
0.33% base, up to 1.67% on utility bills; 4% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base rate. 2 reward points per ₹150 (~0.3% at ₹0.25/point) on all other categories, including UPI spends
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05HPCL ENERGIE BOBCARD Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 20,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 0.33% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver on HPCL fuel transactions between ₹400 and ₹5,000, capped at ₹100 per statement. Applies only at HPCL outlets on the eligible-merchant list
- Airport lounge access: 4 complimentary domestic airport lounge visits a year (1 per quarter) at partner lounges, subject to ₹20,000 of spend in the preceding calendar quarter
- Movie ticket offers: 25% off up to ₹100 on booking a minimum of 2 tickets per transaction, usable up to twice a month per district for the primary cardholder
06HPCL ENERGIE BOBCARD Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹30,000
Documents. PAN card Aadhaar / valid address proof Latest 2 months bank statement reflecting salary credit (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jul 2026 | Reduced: Fuel rewards and surcharge waiver restricted to HPCL's eligible-outlet listSource: Bank of Baroda | Accelerated 24 RP per ₹150 and 1% surcharge waiver at all HPCL fuel outlets | Only at HPCL outlets on the eligible merchant (MID/TID) list HPCL shares with BOBCARD; off-list pumps earn base rate with no waiver |
| 1 Apr 2026 | Reduced: Processing fees added on toll/bus, high-value rail and third-party education spendsSource: Bank of Baroda | None | 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps, each max ₹5,000) |
| 1 Jul 2025 | Reduced: Finance charge raised to 3.75% per monthSource: Bank of Baroda | 3.25% per month (39% p.a.) | 3.75% per month (45% p.a.) |
| 1 Jul 2025 | Reduced: Minimum redemption raised to 1,000 pointsSource: Bank of Baroda | Lower / no fixed minimum | 1,000 points minimum |
| 1 Jul 2025 | Changed: Utility bill payments earn reward points againSource: Bank of Baroda | No reward points on utility bills | Core reward points restored on utility bills |
See this card's change history → · All card changes in July 2026 →
08Cards Similar to HPCL ENERGIE BOBCARD Credit Card
HPCL ENERGIE BOBCARD Credit Card is a fuel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HPCL ENERGIE BOBCARD Credit Card |  SBI BPCL Credit Card |  SBI BPCL Octane Credit Card |
|---|---|---|---|
| Joining fee | ₹499 + GST | ₹499 + GST | ₹1,499 + GST |
| Annual fee | ₹499 + GST | ₹499 + GST | ₹1,499 + GST |
| Rewards | 0.33% base, up to 1.67% on utility bills; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | 0.25% base, up to 2.5% on dining; 6.25% only at partner merchants |
| Domestic lounge | 4 visits a year | Not included | 4 visits a year |
| Forex markup | 3.5% | 3.5% | 3.5% |
| Type | Fuel | Fuel | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your HPCL ENERGIE BOBCARD Credit Card Bill
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Common Questions
What is the joining fee for the HPCL ENERGIE BOBCARD Credit Card?
The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HPCL ENERGIE BOBCARD Credit Card?
The annual fee is ₹499 + GST.
Does the HPCL ENERGIE BOBCARD Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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