BOBCARD HPCL Energie Credit Card
Fees
₹499 + Taxes
Joining & annual
Reward Rate
24 reward points per ₹150 (4% at ₹0.25 a point) plus 1% surcharge waiver at HPCL fuel outlets, LPG and HP Pay; 10 points per ₹150 (1.67%) on utilities and department stores; 2 points per ₹150 (0.33%) elsewhere
Welcome Bonus
500 bonus reward points on spending ₹5,000 within 60 days
Lounge
1 Domestic/Qtr (₹20K Qtr Spend)
Our Expert Take
HPCL Energie saves up to 5% on fuel at HPCL pumps, but only on about ₹6,250 of fuel a month before the points cap kicks in, and the surcharge waiver stops at ₹100. It suits someone filling up mostly at HPCL who wants a low-fee fuel card; for everything else it earns very little.
Reward limits
Checked 18 Oct 2026 · Bank terms
-
Fuel points at HPCL (24 per ₹150)
Max 1,000 points (₹250) per statement cycle
Reached after about ₹6,250 of spend
-
Utilities and department stores (10 per ₹150)
Max 1,000 points (₹250) per statement cycle
Reached after about ₹15,000 of spend
-
Fuel surcharge waiver
Max ₹100 per statement cycle
Reached after about ₹10,000 of spend
No rewards on: HP Pay wallet loads and direct debits, transactions under ₹150, and the MCCs in BOBCARD's annexure
Where this card earns most
Paying directly in the app or site · 0.33% on other spends
Top 3 in our rankings for
Pros & Cons
Key Advantages
- Up to 5% saving at HPCL pumps (4% in points plus 1% surcharge waiver)
- Also earns on LPG and HP Pay fuel purchases
- One domestic lounge visit a quarter
- Renewal fee waived at ₹50,000 a year
Limitations
- Fuel points stop at 1,000 a cycle (about ₹250, or ₹6,250 of fuel)
- Surcharge waiver capped at ₹100 a cycle
- Only HPCL counts, not other fuel brands
- Just 0.33% on other spends
Key Perks & Spending Milestones
25% off up to ₹100 on movie tickets (2 or more) on District, twice a month
1% fuel surcharge waiver at HPCL on ₹400 to ₹5,000 (max ₹100 a cycle)
Up to 3 lifetime-free add-on cards
Smart EMI on purchases above ₹2,500
Spend milestone
500 bonus points on ₹5,000 spend within 60 days
Spend milestone
Renewal fee waived on ₹50,000 spend in the previous card year
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Renewal fee waived on ₹50,000 spend in the previous card year.
Interest rate
3.75% per month (45% per annum)
Late payment fee
- Up to ₹500
- ₹100 (₹100 to ₹500); nil below ₹100
- ₹501 to ₹1,000
- ₹400
- ₹1,001 to ₹5,000
- ₹750
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹950
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
lost card liability
Zero liability once the loss is reported
Eligibility Criteria
salaried minimum income
₹3 Lakh (Bank of Baroda customers) or ₹3.6 Lakh net annual income
self employed ITR
₹3.6 Lakh (Bank of Baroda customers) or ₹4.8 Lakh net annual income
age
21 to 60 years (salaried), 24 to 65 years (self-employed)
Credit score & income
Good (750+)
Frequently Asked Questions
How much does BOBCARD HPCL Energie save on fuel?
Does it work at other petrol pumps?
What is the HPCL Energie annual fee?
Compare BOBCARD HPCL Energie Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| BOBCARD HPCL Energie Credit Card This Card | ₹499 + Taxes | 24 reward points per ₹150 (4% at ₹0.25 a point) plus 1% surcharge... | 1 Domestic/Qtr (₹20K Qtr Spend) | 3.3/5 |
| Standard Chartered Super Value Titanium Credit Card | ₹750 + Taxes | 5% cashback on fuel, telecom & utility bills (capped... | No Lounge Access (Premium Banking customers get 1 Priority Pass visit/month) | 4.3/5 |
| HDFC IndianOil Credit Card | ₹500 + Taxes | 5% Fuel Points at IndianOil outlets, groceries, and bill payments | No Lounge Access | 4.2/5 |
| IndianOil Kotak Credit Card | ₹499 + Taxes | 24 points per ₹150 on IndianOil fuel (~4% value-back, capped at... | No Lounge Access | 4.2/5 |