Maximise Fuel Savings with BOB HPCL ENERGIE Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

6 Mar 26
5 mins

Sandipan Mitra

08 Mins
06-03-26

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Table of Contents

What are the Top 6 BOB HPCL ENERGIE Credit Card Benefits?
How Much Can You Save on the BOB HPCL ENERGIE Credit Card Per Month?
What is the BOB HPCL ENERGIE Credit Card Eligibility Criteria?
What are the BOB HPCL ENERGIE Credit Card Charges?

Save up to 5% on all fuel transactions at HPCL stations.
Receive up to 2% savings on all utility and departmental store spends.
Get 4 complimentary domestic lounge access every year.
Save 25% up to ₹100 on purchases of at least 2 tickets on District.

The BOB HPCL ENERGIE credit card is designed to reward your essential spends like fuel and utility. Offering up to 5% savings on fuel and 2% on utility and departmental store transactions, this card turns your everyday expenses into reward-earning opportunities.

Though being a fuel-specific card, this HPCL BOB card also caters to travel and entertainment needs with complimentary lounge access and discounts on movie tickets. Keep reading to explore the benefits and charges of this card.

What are the Top 6 BOB HPCL ENERGIE Credit Card Benefits?

The BOB HPCL ENERGIE credit card benefits its users with up to 80 litres worth of free fuel every year. Here’s how:

Fuel Perks: Vehicle owners can save up to 5%, 24 reward points per ₹150, on fuel at HPCL petrol pumps. This includes 4% savings plus 1% fuel surcharge waiver (max. ₹100 per month).
Welcome Bonus: You can receive a bonus of 500 reward points upon spending of ₹5,000 or more within 60 days of card activation.
Savings on Utility & Grocery Bills: Users can get up to 2% off utility bills and purchases at department stores. For every ₹150 you spend, you will receive 10 points. Cardholders can earn up to ₹1,000 in points per month.
Base Rewards: For other retail purchases, you can earn 2 points per ₹150 spent.
Travel Benefits: If you spend ₹20,000 quarterly, you will receive 1 complimentary domestic BOB HPCL ENERGIE credit card lounge access (max. 4 in a year).
Movie Privileges: Users can get up to 25% off twice a month on every purchase of at least 2 movie tickets on District.

Things to Keep in Mind:

Reward Points are valid for 2 years from issuance.
Transactions below ₹150 are not eligible for reward points.
Minimum requirement for redemption is 1,000 points.
You will receive the points within 60 days of the eligible transaction.

Redeem reward points for merchandise, vouchers and more on the BOBCARD Customer Portal.

How Much Can You Save on the BOB HPCL ENERGIE Credit Card Per Month?

You can save more than ₹500 with the BOB HPCL ENERGIE credit card every month. Here’s how:

Categories	Monthly Expense	Applicable Savings	Earnings (Approx.)
HPCL fuel refills	₹6,000	4% + 1% +1.5%	960 reward points₹60 off as a surcharge waiver₹90 cashback on the HP Pay app
Groceries from departmental stores	₹5,000	2%	333 reward points
Other retail transactions	₹3,000	2 points per ₹150	40 reward points
Utility bills	₹2,000	2%	133 reward points

Since 1 reward point equates to ₹0.25 when redeemed for cashback, you will save ₹365 + ₹60 + ₹90 = ₹515 every month.

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What is the BOB HPCL ENERGIE Credit Card Eligibility Criteria?

Any Indian with a stable income source can apply for this credit card. Additional eligibility parameters include:

Factors	Salaried	Self-employed
Age	21 - 60 years	24 - 65 years
Annual income	₹3,00,000	₹3,60,000
Income Proof	Last 2 months’ salary slips	Last 3 months’ bank statements

Note: Scanned copies of identity and address proofs are required for the application.

What are the BOB HPCL ENERGIE Credit Card Charges?

The joining and annual fee of the BOB HPCL ENERGIE credit card is ₹499 + GST. The card also attracts other applicable charges. Take a look at some of them:

Type	Charges
Finance Charges	3.75% per month, 45% per annum
Card Replacement Fee	₹100
Cash Processing Fee	₹250
Cash Withdrawal Fee	2.5% or ₹500 (whichever is higher)
Late Payment Charges	Up to ₹1,300 on statement balance between ₹500 and ₹50,000

💡Say goodbye to missed due dates and costly late fees! With the Pice App, you can effortlessly manage your credit cards, get timely reminders and stay on top of your payments!

Footnotes

Cardholders can additionally earn 8 points for every ₹150 on flight booking and 20 points for every ₹150 on hotel booking via BOBCARD SmartDeal.
You can download the HP Pay app and get an additional 1.5% cashback as HP Points on all fuel spends.

FAQs

Who should get the BOB HPCL ENERGIE credit card?

The BOB HPCL credit card is ideal for regular commuters and vehicle owners who spend an adequate amount on fuel every month.

What is the add-on card fee on the BOB HPCL ENERGIE credit card?

The BOB HPCL ENERGIE credit card incurs zero joining/annual charges for up to 3 add-on cards.

Where should I contact if I want to know more about the BOB HPCL ENERGIE credit card?

Call 1800 2665 100 / 1800 2667 100 from your registered mobile number to get more details on the BOB HPCL ENERGIE credit card.

What is the BOB HPCL ENERGIE credit card application process?

Interested individuals can visit the official Bank of Baroda website, navigate to ‘Credit Cards’ > BOB HPCL ENERGIE credit card and click on ‘Apply Now’. Then, fill in the application form along with the e-sign process to proceed through Video-KYC.