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HPCL BOBCARD Energie Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of Baroda RuPay Entry

Join / Annual

₹0/₹499

Base Rate

1.33%

Reward Type

Points

Overview

The HPCL BOBCARD Energie Credit Card is a Entry credit card issued by Bank of Baroda on the RuPay network. It offers a base reward rate of 1.33% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹499
Eligibility: Salaried: ₹3.6 LPA, Self-employed: ₹4.8 LPA. Min age 21-65. CIBIL ≥ 740.

Reward Rates & Cashback Rules

  • MERCHANT – HPCL: 16.0% cashback | monthly cap ₹250.0 ⚠️ Applies to fuel at HPCL outlets and HP Gas purchases via HP Pay app. An additional 1.5% cashback via Payback points is available on fuel via HP Pay app.
  • CATEGORY – Grocery: 6.67% cashback | monthly cap ₹250.0
  • CATEGORY – Departmental Store: 6.67% cashback | monthly cap ₹250.0
  • CATEGORY – Utilities: 6.67% cashback | monthly cap ₹250.0
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ Wallet loads do not earn reward points.
  • CATEGORY – Rent: 0.0% cashback ⚠️ Rent payments do not earn reward points.
  • CATEGORY – EMI: 0.0% cashback ⚠️ EMI transactions do not earn reward points.

Key Features & Benefits

  • Welcome Benefit 🎁: 500 bonus reward points on spending ₹5,000 or more within the first 60 days of card issuance.
  • Domestic Lounge Access ✈️: 4 complimentary domestic airport lounge visits per year (1 per quarter), subject to spending a minimum of ₹20,000 in the previous calendar quarter.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at HPCL pumps, capped at ₹100 per billing cycle.
  • Movie Discount 🎬: 25% discount up to ₹100 on movie tickets on the District app for a minimum of two tickets.
  • Add-on Cards 👨‍👩‍👧‍👦: Up to three lifetime free add-on cards for family members.

Eligibility Criteria

Salaried: ₹3.6 LPA, Self-employed: ₹4.8 LPA. Min age 21-65. CIBIL ≥ 740.

Features & Benefits

🎁

Welcome Benefit

500 bonus reward points on spending ₹5,000 or more within the first 60 days of card issuance.

✈️

Domestic Lounge Access

4 complimentary domestic airport lounge visits per year (1 per quarter), subject to spending a minimum of ₹20,000 in the previous calendar quarter.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at HPCL pumps, capped at ₹100 per billing cycle.

🎬

Movie Discount

25% discount up to ₹100 on movie tickets on the District app for a minimum of two tickets.

👨‍👩‍👧‍👦

Add-on Cards

Up to three lifetime free add-on cards for family members.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

HPCL
Reward: 16.0% Monthly Cap: ₹250.0
⚠️ Exceptions: Applies to fuel at HPCL outlets and HP Gas purchases via HP Pay app. An additional 1.5% cashback via Payback points is available on fuel via HP Pay app.
16%
Grocery
Reward: 6.67% Monthly Cap: ₹250.0
6%
Departmental Stores
Reward: 6.67% Monthly Cap: ₹250.0
6%
Utilities
Reward: 6.67% Monthly Cap: ₹250.0
6%
Wallet Load Exclusion
⚠️ Exceptions: Wallet loads do not earn reward points.
Rent Exclusion
⚠️ Exceptions: Rent payments do not earn reward points.
EMI Exclusion
⚠️ Exceptions: EMI transactions do not earn reward points.

Value Chart

Assuming basic spends for HPCL BOBCARD Energie Credit Card

Category HPCL BOBCARD Energie Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹499 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.33% 1.0% 1.0% 1.5%
★
Known Rules 		7 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + HPCL — 16.0% Points (cap ₹250.0)
  • + Grocery — 6.67% Points (cap ₹250.0)
  • + Departmental Stores — 6.67% Points (cap ₹250.0)
  • + Utilities — 6.67% Points (cap ₹250.0)
  • + Welcome Benefit
  • + Domestic Lounge Access
  • + Fuel Surcharge Waiver
  • + Movie Discount
✗

Cons

  • − No reward on Wallet Load — Wallet loads do not earn reward points.
  • − No reward on Rent — Rent payments do not earn reward points.
  • − No reward on EMI — EMI transactions do not earn reward points.
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.33%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3990

Annual Fee

₹499

Net Value

+₹3491

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹499 + GST. It can be waived for the subsequent year by spending ₹50,000 or more in the preceding year.

Each reward point earned on the HPCL BOBCARD Energie credit card is worth ₹0.25.

Yes, to access the complimentary lounge visit in a given quarter, you must have spent a minimum of ₹20,000 in the preceding calendar quarter.

You can earn a maximum of 1,000 accelerated reward points on fuel per billing cycle, which is equivalent to a value of ₹250.

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