HPCL ENERGIE BOBCARD Credit Card

The HPCL ENERGIE BOBCARD Credit Card is a co-branded fuel-focused credit card from Bank of Baroda (via BOBCARD) in partnership with Hindustan Petroleum Corporation Limited (HPCL). It’s designed especially for motorists — offering attractive savings and reward points on fuel purchases at HPCL outlets, along with benefits for everyday spending like groceries, utilities, and more

HPCL ENERGIE BOBCARD Credit Card

Joining Fees	₹499 + GST
Annual Fees	₹499 + GST
Card Type	Rewards
Network Type	Rupay

Rewards & Benifits

Up to 24 Reward Points per ₹150 spent on fuel & LPG at HPCL retail outlets or via HP Pay App (~4% value-back) plus 1% fuel surcharge waiver on eligible fuel transactions.
10 Reward Points per ₹150 spent on utilities and departmental/grocery stores.
2 Reward Points per ₹150 on other eligible non-fuel spends (including UPI).
4 complimentary domestic airport lounge accesses per year (1 per quarter) for primary cardholder — subject to minimum quarterly spends.
Welcome bonus: 500 Reward Points on spending ₹5,000 or more within 60 days of card issuance.
Smart EMI option available for purchases above ₹2,500.
Reward redemption value: 1 Reward Point ≈ ₹0.25 as cashback/statement credit.

Fees & Charges

Joining Fee: ₹499 + GST
Annual / Renewal Fee: ₹499 + GST (waived on annual spends ≥ ₹50,000)
1% fuel surcharge waiver at HPCL outlets (within applicable limits).
Accelerated reward points on fuel are capped per statement cycle.
Lower reward rate on base categories (2 RP per ₹150).

Card Details

Co-branded credit card by BOBCARD and HPCL, designed for fuel and HP Pay App usage.
Operates on the RuPay contactless network.
Accelerated rewards on fuel, utilities and grocery/departmental stores.
Fuel surcharge waiver at HPCL outlets subject to defined limits.
4 complimentary domestic airport lounge accesses per year (T&C apply).
Welcome bonus of 500 Reward Points on qualifying spends.
Annual fee waiver on spends of ₹50,000 per anniversary year.

Pros & Cons

High savings on HPCL fuel purchases (reward points + surcharge waiver).
Good accelerated rewards on utilities and groceries.
Affordable joining/annual fees with easy waiver condition.
Includes welcome bonus and Smart EMI facility.
Complimentary airport lounge access adds lifestyle value.

Fuel benefits apply only at HPCL — limited usefulness at other pumps.
Reward caps may restrict high monthly fuel savings.
Lower value on other spends (2 RP per ₹150).
Lounge access linked to minimum quarterly spends.

ELIGIBILITY CRITERIA

Indian resident.
For salaried applicants: age between 21 and 60 years.
For self-employed: age between 24 and 65 years.
Require standard identity, address, income and photograph proofs (PAN, Aadhaar/ID, address proof, income proof, passport-size photo) — as per BOBCARD’s application norms.

WELCOME BENEFITS
You receive 500 bonus Reward Points if you spend ₹5,000 or more within 60 days of issuance of the card.

CARD REVIEW
The HPCL ENERGIE BOBCARD Credit Card is a strong value choice for regular motorists and consumers who frequent HPCL fuel pumps. For those who drive often or refuel regularly, the combined savings — fuel reward points plus surcharge waiver — deliver tangible value. The annual fee is modest and can be waived with moderate annual spending, making the card nearly free for frequent users. However, benefits taper off for non-fuel, occasional users, given lower reward rates outside fuel and capped incentives. Also, fuel advantages apply only at HPCL outlets — which may restrict usability if you refuel elsewhere. Overall, this card is best suited for people who drive/commute regularly and want to optimize fuel expenses while getting occasional added perks.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

HPCL ENERGIE BOBCARD Credit Card