BOBCARD HPCL Energie Credit Card on HPCL
Yes. The BOBCARD HPCL Energie Credit Card gives 4% back when you pay on HPCL directly, compared with 0.33% on its other spends.
On HPCL
4%
Other spends
0.33%
Rank for HPCL
#3 of 149
Annual fee
₹499 + Taxes
What to know before you pay on HPCL
Cap on HPCL
Max ₹250 per statement cycle (1,000 points, about ₹6,250 of fuel)
How it works
Fuel rewards are at HPCL only: 4% in points plus 1% surcharge waiver, on about ₹6,250 of fuel a cycle. Utilities (MCC 4812, 4899) and department stores earn 1.67%. Everything else, including these apps and sites, earns 0.33%.
Caps & rules
- 24 RP per ₹150 at HPCL outlets, LPG and HP Pay; 10 RP per ₹150 on utilities (MCC 4812, 4899) and department stores (MCC 5311); each capped at 1,000 RP per statement.
- 2 RP per ₹150 elsewhere.
- 1 RP = ₹0.25.
- Surcharge waiver at HPCL capped at ₹100 a statement.
Reward limits
- Fuel points at HPCL (24 per ₹150): max 1,000 points (₹250) per statement cycle
- Utilities and department stores (10 per ₹150): max 1,000 points (₹250) per statement cycle
- Fuel surcharge waiver: max ₹100 per statement cycle
No rewards on
HP Pay wallet loads and direct debits, transactions under ₹150, and the MCCs in BOBCARD's annexure
Checked 2026-10-18 · Bank terms
Cards that earn more on HPCL
-
#1
IDFC FIRST Power+ Credit Card
IDFC FIRST Bank · Free
5%
Apply now -
#2
Kotak Cashback+ Credit Card
Kotak Bank · ₹750 + Taxes · Max ₹750 per statement cycle
3%
Apply now -
#4
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank · Joining/Annual Fee: ₹500 + Taxes · Max ₹200 a month
4%
Apply now
Questions
Does the BOBCARD HPCL Energie Credit Card give rewards on HPCL?
Yes. The BOBCARD HPCL Energie Credit Card gives 4% back when you pay on HPCL directly, compared with 0.33% on its other spends.
Is there a limit on BOBCARD HPCL Energie Credit Card rewards?
24 RP per ₹150 at HPCL outlets, LPG and HP Pay; 10 RP per ₹150 on utilities (MCC 4812, 4899) and department stores (MCC 5311); each capped at 1,000 RP per statement. 2 RP per ₹150 elsewhere. 1 RP = ₹0.25. Surcharge waiver at HPCL capped at ₹100 a statement.
Which credit card is best for HPCL?
IDFC FIRST Power+ Credit Card is the best pick for regular spending on HPCL, with 5% back. The BOBCARD HPCL Energie Credit Card ranks #3 of 149 cards we compared, by what each returns after caps.