HPCL ENERGIE BOBCARD Credit Card
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.
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForFuel
- Reward TypeReward Points (points)
- 24 pts per ₹150 on hpcl fuel (cap 1000 points / monthly)
- 10 pts per ₹150 on utility departmental
- Base 0.24% on other spends
- 500 joining bonus reward points
Rewards and Benefits
- Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹96/mo
You spend ₹8,000 · earns 1.2% = ₹96 uncapped
- Valued at realized redemption value
- Utilities & bills₹60/mo
You spend ₹5,000 · earns 1.2% = ₹60 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.2% = ₹36/mo
- Dining & food delivery₹8,000 · 0.2% = ₹19/mo
- Fuel₹4,000 · 0.2% = ₹10/mo
Fuel — earns base; accelerated rate needs booking via hpcl
- Travel & hotels₹10,000 · 0.2% = ₹24/mo
₹2,938 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- Annual fee waivable on ₹50,000 spend.
- Complimentary domestic airport lounge access (1/quarterly).
- Standard forex markup of 3.50% — suboptimal for international spend.
₹125 welcome benefit
- 500 joining bonus reward pointsSpend ₹5,000 or more within 60 days of issuanceWindow: 60 days from issuance.
Accelerated rewards
- 24 pts per ₹150 on hpcl fuel (cap 1000 points / monthly)HPCL fuel 24 pts/Rs150 capped 1,000 RP/month (~Rs6,250 fuel).
- 10 pts per ₹150 on utility departmentalUp 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
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
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 5 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.