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HPCL BoB ENERGIE

Product Details
Credit Card Name : 

HPCL BoB ENERGIE

Bank Name :

Bank of Baroda

Type :

Fuel Credit Card

Interest Rate : 

3.49% p.m. (41.88% p.a.)

Eligibility :

Age Criteria: Primary Card Holder- 21 to 65 years old ; Add-on Cardholder- above 18 years old
Minimum annual income of INR 3.60 Lakhs for salaried individuals and minimum annual income of INR 4.80 Lakhs for self-employed individuals
Resident of India

HPCL BoB ENERGIE
Pros
  • Welcome Benefit: 2000 BONUS REWARD POINTS On spends of ₹5000 or more within 60 days of card issuance 

  • Reward System: 10 Reward Points for every ₹150 spent on Utility, Grocery & Departmental stores and 2 Reward Points for every ₹150 spent on other categories. 

  • Upto 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waiver) for fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App* Benefit available for fuel purchases upto ₹6250 fuel spends. (Additional 1.5% cashback in terms of payback points on fuel purchases made through HP Pay App)

  • Other Benefits: 4 lounge access per year (1 per quarter) at partner domestic lounges for Primary Cardholders, 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction on Paytm. 

Cons
  • Fuel benefits are restricted only to HPCL outlets

  • Higher rewards are offered only on fuel transactions

  • Low reward redemption value of 1 Reward Point = Re. 0.25

  • Maximum capping on earning reward points

Pros & Cons
Welcome Benefits
  • As a welcome gift, enjoy 2,000 reward points on spending Rs.5,000 or more within 60 days of card issuance

Rewards System
  • 10 Reward Points for every ₹150 spent on Grocery and Departmental Stores* (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waiver) for fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App* *(10 RP and 24 RP are subject to maximum of 1,000 Reward Points each per month, any spends on 10 RP and 24 RP spend categories beyond threshold spends will accrue points as per regular rate) 2000 Bonus Reward Points on spending ₹5,000 or more in first 60 days of issuance 2 Reward Point for every ₹150 

  • 1 Reward Point = INR 0.25 

  • Effective cashback rate = 2.5%

International Forex Markup
  • Foreign Currency Markup: 3.5% on all foreign transactions.

Welcome Benefits and Reward System
Special Features

Up to 5% savings on your fuel transactions at HPCL outlets

Eligibility Criteria

Age Criteria: Primary Card Holder- 21 to 65 years old ; Add-on Cardholder- above 18 years old
Minimum annual income of INR 3.60 Lakhs for salaried individuals and minimum annual income of INR 4.80 Lakhs for self-employed individuals
Resident of India

Benefits
  • High Rewards on Fuel Transactions

  • Welcome Bonus

  • Additional Reward Points

  • Free Movie Ticket se Access

  • Free Movie Tickets

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Eligibility Check: Ensure you meet the minimum age (21 years) and income criteria (varies depending on the card variant).

  2. Choose Your Variant: HPCL BoB ENERGIE comes in two variants with different annual fees and welcome bonuses. Choose the one that best suits your spending habits.

  3. Apply Online: Apply online through the Bank of Baroda website or HPCL website. Submit basic information, income documents, and proof of address.

  4. Document Verification: Bank of Baroda will verify your documents and credit score.

  5. Card Approval: If approved, you'll receive your HPCL BoB ENERGIE Credit Card within 7-10 business days.

Contact Details

Toll free no.: 1800 225 100
Email: crm@bobfinancial.com

Account Opening and Procedure
HPCL BoB ENERGIE

The HPCL BoB ENERGIE Credit Card is a great option for HPCL pump regulars who drive frequently and want to maximize their fuel savings. The high cashback rate on HPCL fuel, welcome bonus, potential fee waiver, and other benefits offer significant value for this specific spending pattern. However, the limited scope, lower cashback on other categories, network limitation, limited redemption options, and lower point value might discourage those with diverse spending habits, seeking higher cashback on other categories, wider network coverage, or unique redemption options.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • First Year Fee: INR 499 

  • Annual Fe: INR 499* *The annual fee will be waived if you spend Rs.50,000 in the preceding year.

  • Interest Rate- 3.49% p.m. (41.88% p.a.)

  • Cash Advance Charges: 2.5% of the amount or Rs. 500, which ever is higher.

  • Foreign Currency Markup: 3.5% on all foreign transactions.

  • Rewards Redemption Fee: Nil

Fuel Surcharge
1% FUEL SURCHARGE WAIVER On all HPCL fuel transactions including fuel purchases made on HP Pay App (capped at ₹100 per statement per credit card account)
Billing Cycle

30 Days

Fees & Charges
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