BOBCARD HPCL Energie Credit Card on Petrol (any pump)

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