HPCL BoB ENERGIE
MyRupaya Ratings
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
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?
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
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
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.
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
HDFC Bank Biz Power Credit Card
The card is a premium credit card with a number of value add features. This card offers cashback on even tax and GST payment. Overall it is a must have card for small business owners/ freelancers.
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
Billing Cycle
30 Days