HPCL Bank of Baroda ENERGIE Credit Card

This Bank of Baroda Credit Card offers benefits across various categories, including travel, entertainment, lifestyle and more. However, you can make the most out of this card if you frequently make fuel transactions at HPCL as it offers highest benefits on the fuel category. Below mentioned are some of the major HPCL Bank of Baroda ENERGIE Credit Card features and benefits:

Fuel Benefits

You can save up to 5% on your fuel transactions as per the below details:

• 24 reward points (Max. 1,000 reward points per statement cycle) on every Rs. 150 spent at HPCL petrol pump
• 1% fuel surcharge waiver (Max. Rs. 100 in a statement cycle) on fuel transactions between Rs. 400 to Rs. 5,000 at HPCL outlets made through HP Pay app

Overall, you can save up to 5% on your fuel transactions at HPCL, including 24 reward points per Rs. 150 spent (which is equivalent to 4% savings) and 1% fuel surcharge waiver.

Besides these benefits, you can also avail additional cashback on your fuel transactions via HP Pay app. Here are the details:

• Joining benefit of Rs. 100 on the first recharge transaction of Rs. 1,000 and more
• Additional 1.5% cashback per Rs. 100 as payback points on fuel transactions through HP Pay app
• These benefits are applicable only on transactions at HPCL retail outlets
• 1 Payback Point = Re. 0.25

Suggested read: Best Fuel Credit Cards in India

Reward Points

You can avail reward points every time you swipe your card. This credit card lets you earn up to 10X reward points on select categories as per the below details:

• 10 reward points* for every Rs. 150 spent on utility, grocery and departmental stores
• 2 reward points for every Rs. 150 spent on other categories
• 1 Reward Point = Re. 0.25

*(Max. 1,000 reward points per statement cycle).

Other Benefits

Apart from the above-mentioned benefits, you can also avail basic benefits like annual fee waiver, bonus rewards, EMI conversion and much more with HPCL Bank of Baroda ENERGIE Credit Card. Here are the details:

Joining Benefit: 2,000 bonus reward points on spending Rs. 50,000 or more within 60 days of card issuance.

Renewal Benefit: Annual fee waiver on spending Rs. 50,000 in a year.

Travel Benefit: 4 complimentary domestic lounge access in a year (1 per quarter).

Movie Benefit: 25% off (Up to Rs. 100) on booking movie tickets via Paytm Movies. This benefit can be availed twice per month.

Smart EMI: Convert your purchases of Rs. 2,500 or above into easy EMIs of 6/36 months.

Add-on Cards: 3 lifetime free add-on cards for spouse, parents, siblings or kids (above 18 years).

Also read: Best Credit Cards in India

Did You Know? With HPCL Bank of Baroda ENERGIE Credit Card, you can save more than Rs. 12,000 every year on multiple categories. Click here to know in detail.

HPCL BoB ENERGIE Credit Card is a fuel credit card that offers great benefits on your transactions with the collaborated brand, i.e., HPCL. You can save up to 5% of your fuel transactions via this credit card. However, being a fuel credit card, this card offers satisfactory benefits on other categories as well like complimentary lounge access, discount on movie ticket bookings, higher rewards on utility, grocery and departmental stores, etc.

Considering the fees charged by the card, the benefits offered are quite decent, as fuel credit cards with similar fees do not offer numerous benefits on other categories apart from fuel. However, you should consider applying for this credit card only if you commute on daily basis and prefer to make fuel transactions at HPCL over other outlets.

Here is a detailed analysis of the pros and cons of this card that will help you make an informed decision:

Pros	Cons
Great benefits on fuel transactions at HPCL Satisfactory rewards rate of up to 4% on fuel expenses Welcome and renewal benefits through bonus rewards All-round benefits across multiple categories	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

Suggested read: Best Co-branded Credit Cards

The fees and charges applicable to HPCL Bank of Baroda ENERGIE Credit Card are mentioned in the table below:

Type of Fee or Charge	Amount
Joining Fee	Rs. 499 (Levied in the first statement)
Annual/ Renewal Fee	Rs. 500 (Waived off on spending Rs. 50,000 in a year)
Finance Charges	3.49% p.m. (41.88% p.a.)
Late Payment Charges	For Statement Balance: Less than Rs. 100: Nil Between Rs. 100 to Rs. 500: Rs. 100 Between Rs. 501 to Rs. 1,000: Rs. 400 Between Rs. 1,001 to Rs. 10,000: Rs. 750 Between Rs. 10,001 to Rs. 25,000: Rs. 950 Between Rs. 25,001 to Rs. 50,000: Rs. 1,100 Above Rs. 50,000: Rs. 1,300

Click here to view other related terms & conditions and fees & charges.

To apply for HPCL BoB ENERGIE Credit Card, you must meet the below-mentioned eligibility criteria:

Criteria	Details
Resident	Indian
Age Requirement	21 to 65 years
Occupation	Salaried or Self-employed
Min. Income Requirement for Salaried	Rs. 3.6 lakh p.a.
Min. Income Requirement for Self-employed	Rs. 4.8 lakh p.a.
Documents Required	Click here to view the list

Being a co-branded credit card, this card offers highest benefits on your transactions at HPCL. If you are someone who commutes daily and is looking for an option to save on your fuel expenses, you can also consider applying for the below-mentioned cards:

Credit Card	Annual Fee	Key Feature
BPCL SBI Card	Rs. 499	Up to 4.25% value back on fuel expenses
ICICI Bank HPCL Super Saver Credit Card	Rs. 500	4% cashback on all fuel spends at HPCL fuel pumps
IndianOil Axis Bank Credit Card	Rs. 500	4% value back on fuel purchase at IOCL outlets
IndianOil HDFC Bank Credit Card	Rs. 500	5% of fuel spends as fuel points
ICICI Bank HPCL Coral Credit Card	Rs. 199	2.5% cashback on transactions  at HPCL fuel stations

Q. How can I apply for HPCL Bank of Baroda ENERGIE Credit Card?

A. You can apply for this credit card via online and offline modes. To apply online, you can visit the official website of BoB Financial and look for the eligible card. After this, you need to click on ‘Apply Now’ and fill out the application form. Besides this, you can also visit any of the nearest branches of the bank and submit a duly filled application form along with relevant documents.

Q. Can I make foreign currency transactions via HPCL BoB ENERGIE Credit Card?

A. Yes, you can make foreign currency transactions via this credit card. However, the bank will charge a forex markup fee of 3.5% of the transacted amount for the same. Therefore, this is not a suitable option for foreign currency transactions as it comes with high forex markup fee. You can click here to find best the credit cards for international use.

Q. What is the credit limit offered on HPCL BoB ENERGIE Credit Card?

A. The bank decides your credit limit after scrutinizing your application. Therefore, you will get to know about your credit limit when you receive the card. The credit limit is decided based on your credit history, repayment capacity, income, etc., and it may vary from applicant to applicant depending on eligibility.

Q. Can I get a fuel surcharge waiver on every transaction via HPCL BoB ENERGIE Credit Card?

A. No, you can get a fuel surcharge waiver of 1% on your transactions between Rs. 400 to Rs. 5,000. However, this is applicable only on your transactions at HPCL outlets. Also, you can get a maximum waiver of Rs. 100 in a statement cycle.

Q. How can I check the application status of my HPCL Bank of Baroda ENERGIE Credit Card?

A. After submitting the application form, the bank will send you updates on your registered mobile number regarding the application status. However, you can also track your application status online through the official website of the bank. All you need to do is navigate to the track your status page and enter the application number.

Q. What is the interest free period offered on HPCL BoB ENERGIE Credit Card?

A. With HPCL Bank of Baroda ENERGIE Credit Card, you will get an interest free period of 20 to 50 days. However, this is only applicable if you have no outstanding amount.