Beta data. Numbers are community-sourced and may be out of date. Every value links to the issuer page — always verify before applying.

Credit Cards · India

HPCL ENERGIE BOBCARD Credit Card

Updated 3 Jul 2026Source-linked

The HPCL ENERGIE BOBCARD Credit Card is a entry co-branded credit card from Bank of Baroda and HPCL, with a joining fee of ₹499 + GST.

It earns up to 24 pts per ₹150 (≈2.9% value) on HPCL spends in the form of reward points (points).

Cardholders get 1 quarterly domestic airport lounge access, plus 500 joining bonus reward points as a welcome benefit.

Bank of Baroda logo
HPCL ENERGIE BOBCARD Credit Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForFuel
  • Reward TypeReward Points (points)
Rewards Rate
  • 24 pts per ₹150 on hpcl fuel
  • 10 pts per ₹150 on utility departmental
  • Base 0.24% on other spends
Welcome Benefits
  • 500 joining bonus reward points
Bank of Baroda logoBoBVisa logoplatinumentryCo-brand · HPCL ↗
Calculate rewards+ CompareApply Now ↗

Rewards and Benefits

Rewards Rate
24 pts per ₹150 on hpcl fuel
10 pts per ₹150 on utility departmental
Base 0.24% on other spends.
Reward Redemption
BOBCARD Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
500 joining bonus reward points
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
DISCOUNT on partner cinemas
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).

Fees & Charges

Spend-Based Waiver
₹50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded entry card by Bank of Baroda and HPCL.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹50,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (1/quarterly).

Pros & Cons

Pros
  • Annual fee waivable on ₹50,000 spend.
  • Complimentary domestic airport lounge access (1/quarterly).
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹125 welcome benefit

  • 500 joining bonus reward points
    Spend ₹5,000 or more within 60 days of issuance
    Window: 60 days from issuance.

Accelerated rewards

  • 24 pts per ₹150 on hpcl fuel
    Up to 5% savings on HPCL fuel/LPG & HP Pay App (24 RP per ₹150 = 4% + 1% fuel-surcharge waiver). Up to 80 litres free fuel/year. HP Pay wallet loads excluded.
  • 10 pts per ₹150 on utility departmental
    Up to 2% savings (10 RP per ₹150) on utility & departmental stores.

Exclusions

The following spend categories earn no rewards on this card:

  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
1 visit(s) / quarterly. Via visa, dreamfolks.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.

Other benefits

  • Add-on cards. Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.

Salaried 21–60 yrs; self-employed 24–65 yrs.

Tagsentrypointsfuelco brand