HPCL Bank of Baroda ENERGIE Credit Card

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The HPCL Bank of Baroda ENERGIE Credit Card is a special credit card launched by BOBCARD and HPCL for people who often spend on fuel. With fuel prices going up, this card helps you save money by giving you up to 24 Reward Points for every ₹150 spent on fuel at HPCL pumps. You also get 500 Reward Points as a welcome gift when you get the card. The card has a joining and renewal fee of ₹499, which is reasonable because of the benefits it offers, including a fuel surcharge waiver.

This credit card is not just for fuel. You can also earn rewards on travel, groceries, movie tickets, and more. It’s a good option if you usually fill fuel at HPCL stations. It also competes with other cards like the ICICI Bank HPCL Super Saver Credit Card. Issued by BoB Financial (a part of Bank of Baroda), this card is a smart way to get more value from your everyday spending while enjoying savings and extra rewards.

Credit Card Detail
HPCL Bank of Baroda ENERGIE Credit Card
Joining Fee
Rs. 499.00 +GST
Renewal Fee
Rs. 499.00 +GST
Best Suited For
Shopping | Fuel
Reward Type
Reward Points
Welcome Benefits
Get 500 reward points as a welcome gift when you spend ₹5,000 or more within 60 days of getting your card.
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Rewards Rate
You earn 24 Reward Points for every ₹150 spent on fuel at HPCL pumps, 10 Points for every ₹150 spent on groceries and departmental stores, and 2 Points per ₹150 on all other purchases.
Reward Redemption
You can use the Reward Points you earn on the BoB website for different options or even turn them into cash. Each Reward Point is worth ₹0.25.
Movie & Dining
Get 25% off (up to ₹100) when you book at least two movie tickets on Paytm Movies.
Travel
N/A
Golf
N/A
Domestic Lounge Access
Get 1 free domestic airport lounge access every quarter when you spend ₹20,000 or more in the previous quarter.
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.49% per month means you’ll be charged interest at that rate every month, which adds up to about 41.88% in a year.
Spend-Based Waiver
You don’t have to pay the renewal fee if you spend ₹50,000 or more in the previous year.
Rewards Redemption Fee
Nil
Cash Advance Charges
You’ll be charged 2.5% of the amount or ₹500, whichever is more.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver on HPCL fuel purchases between ₹400 and ₹5,000, including payments made through the HP Pay app.
Card Details
  • Fuel Rewards: Get 24 reward points for every ₹150 spent on fuel at HPCL pumps.
  • Extra Cashback via HP Pay App: Earn 1.5% cashback as payback points on fuel when using the HP Pay app.
  • HP Pay App Offer: Get ₹100 cashback on your first recharge of ₹1,000 or more via HP Pay.
  • Welcome Bonus: Get 500 reward points by spending ₹5,000 within 60 days of getting the card.
  • Grocery & Utility Rewards: Earn 10 reward points per ₹150 spent on groceries, departmental stores, and utility bills.
  • Other Spending: Earn 2 reward points per ₹150 on all other purchases.
  • Movie Discount: Get 25% off (up to ₹100) on Paytm movie ticket bookings (minimum 2 tickets).
  • Free Lounge Access: Enjoy 4 complimentary domestic airport lounge visits per year.
  • Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharge for transactions between ₹400 and ₹5,000 (including HP Pay).
  • Annual Fee Waiver: No annual fee if you spend ₹50,000 or more in a year.
  • Free Add-on Cards: Get up to 3 lifetime free add-on cards for family members aged 18+.
  • Smart EMI Option: Convert purchases over ₹2,500 into EMIs ranging from 6 to 36 months.
Pros/Cons
Pros
- You get great savings on fuel at HPCL with up to 4% rewards on your fuel spending. The card also offers bonus reward points when you join and renew. Plus, you can enjoy extra benefits on things like travel, groceries, and entertainment.
Cons
- The fuel benefits on this card work only at HPCL petrol pumps. You get higher rewards mainly on fuel spends, while other categories earn less. Also, the value of each reward point is low (only ₹0.25), and there's a limit on how many reward points you can earn.
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Frequently Asked Questions

What is the annual fee for the HPCL Bank of Baroda ENERGIE Credit Card?

The card has an annual fee of ₹499 plus taxes.

Does this card offer a fuel surcharge waiver?

Yes, you get a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000 at HPCL fuel stations. You can get up to ₹100 off per billing cycle.

How many reward points do I earn on fuel purchases?

You get 24 Reward Points for every ₹150 spent on fuel at HPCL pumps. You can earn up to 1,000 points each billing cycle.

How can I apply for this credit card?

You can apply online on the BoB Financial website by filling out the form. You can also apply at any Bank of Baroda branch by submitting the form and documents.

Can I use this card for international purchases?

Yes, but there's a 3.5% forex markup fee on foreign currency transactions. So, it may not be the best option for spending abroad.

How is the credit limit decided for this card?

The bank sets your credit limit based on your income, credit score, and repayment history. You’ll find out your limit when your card is approved.

How can I check my credit card application status?

You’ll get SMS updates on your phone. You can also check online by entering your application number on the bank’s website.

Is there an interest-free period on this card?

Yes, you get 20 to 50 days of interest-free credit, but only if you pay your full bill and don’t carry any balance.

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