
HPCL BoB ENERGIE
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance. 2000 Bonus reward points on spending ₹5,000 or more in the first 60 days of issuance.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 10 reward points for every ₹150 spent on grocery and departmental stores. Effective cashback rate: 1.67%.
24 reward points for every fuel spend of Rs.150. Effective cashback rate = 4% + 1% Fuel surcharge = 5%.
Movie Benefits
25% off up to ₹100 on the purchase of a minimum of 2 tickets per transaction on Paytm.
Dining Benefits
None.
Other Benefits
None.
Lounge Access
Other Benefits: 4 lounge access per year (1 per quarter) at partner domestic lounges for primary cardholders.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance. 2000 Bonus reward points on spending ₹5,000 or more in the first 60 days of issuance.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 10 reward points for every ₹150 spent on grocery and departmental stores. Effective cashback rate: 1.67%.
24 reward points for every fuel spend of Rs.150. Effective cashback rate = 4% + 1% Fuel surcharge = 5%.
Movie Benefits
25% off up to ₹100 on the purchase of a minimum of 2 tickets per transaction on Paytm.
Dining Benefits
None.
Other Benefits
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Lounge Access
Other Benefits: 4 lounge access per year (1 per quarter) at partner domestic lounges for primary cardholders.
Fees & Charges
Joining Fee
INR 499
Annual Fee
Annual Fe: INR 499* *The annual fee will be waived if you spend Rs.50,000 in the preceding year.
Cash Advance Fee
2.5% of the amount or Rs. 500, which ever is higher.
Interest rate
Interest Rate- 3.49% p.m. (41.88% p.a.)
Late Payment Fee
N.A.(Not Applicable)
Foreign Currency Transactions Fee
Foreign Currency Markup: 3.5% on all foreign transactions.
Other Fees
First Year Fee: INR 499 | Cash Advance Charges: 2.5% of the amount or Rs. 500, which ever is higher. | Rewards Redemption Fee: Nil
Fees & Charges
Joining Fee
INR 499
Annual Fee
Annual Fe: INR 499* *The annual fee will be waived if you spend Rs.50,000 in the preceding year.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate- 3.49% p.m. (41.88% p.a.)
Late Payment Fee
N.A.(Not Applicable)
Foreign Currency Transactions Fee
Foreign Currency Markup: 3.5% on all foreign transactions.
Other Fees
First Year Fee: INR 499 | Cash Advance Charges: 2.5% of the amount or Rs. 500, which ever is higher. | Rewards Redemption Fee: Nil
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
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility Check: Ensure you meet the minimum age (21 years) and income criteria (varies depending on the card variant).
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.
Apply Online: Apply online through the Bank of Baroda website or HPCL website. Submit basic information, income documents, and proof of address.
Document Verification: Bank of Baroda will verify your documents and credit score.
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
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai