HPCL Bank of Baroda ENERGIE Credit Card
Co-branded
Movies
Reward Points
Fuel
1st Year Fee: ₹499* Plus Applicable Taxes
Fuel Benefits
Up to 6.5% savings on HPCL fuel spends
Lounge Access
Up to 4 domestic lounge visits per year
Movie Offer
Up to 25% off on tickets on District app
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About HPCL Bank of Baroda ENERGIE Credit Card
HPCL Bank of Baroda ENERGIE Credit Card is a fuel credit card that is co-branded with HPCL. It comes at a low annual fee of just Rs. 499 which you can waive off by spending just Rs. 50,000 in a year. You can save up to 5.5% on your HPCL fuel spends in the form of rewards and 1% as fuel surcharge waiver, making the total fuel savings worth up to 6.5%. and comes with up to 6.5% savings on HPCL fuel spends in the form of rewards and fuel surcharge waiver. Besides fuel, this Bank of Baroda credit card also offers good savings on other lifestyle categories like select household spends and movies through reward points and discounts. However, the reward redemption ratio of 4:1 could be improved, along with the base reward rate of just 0.33%.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit BoB website.
Fuel Benefits
- 4% Savings: 24 reward points1 per Rs. 150 spent on fuel at HPCL retail outlets, through HP Pay app and on LPG purchases2
- 1% Savings: 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel spends worth Rs. 400 to Rs. 5,000 made at HPCL fuel stations2
- 1.5% Savings: Additional 1.5% cashback as Payback points3 on every Rs. 100 spent on fuel through HP Pay app
- Rewards Redemption Value: 1 Reward/Payback Point = Rs. 0.25
Other Features & Benefits
Rewards on Non-fuel Spends:
- 10 reward points1 per Rs. 150 spent on departmental stores and utility spends
- 2 reward points per Rs. 150 spent on other category purchases, including all the UPI spends
Welcome Benefit:
- 500 bonus reward points on spending Rs. 5,000 or more within 60 days of card issuance
Lounge Access:
- Up to 4 complimentary visits to domestic airport lounges per year, capped at 1 visit per quarter on reaching Rs. 20,000 quarterly spends
Movie Offer:
- 25% off of up to Rs. 100 on min. booking of 2 tickets through District app, twice per month
Renewal Fee Waiver:
- On reaching annual spends worth Rs. 50,000
HPCL BoB ENERGIE Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 499 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 3.6% per month i.e. 43.2% per annum | ||||||||||||||||
| Late Payments Fees |
|
Things to Know Before you apply
Get this card if:
You spend a considerable amount on fuel purchase every month and wish to save on this expense
You do not mind being an HPCL fuel loyalist to maximise your value-back through this card
You want a card that offers you good savings on fuel as well as other lifestyle-related spends like movies, departmental store and utility spends
Eligibility Criteria:
Age: 21 to 65 years
Min. Income (Non-BoB Customer): Rs. 3.6 lakh p.a. for salaried & Rs. 4.8 lakh for self-employed
Min. Income (BoB Customer): Rs. 2.4 lakh p.a.
Paisabazaar Review
What do we like about this card?
HPCL BoB credit card is a low annual fee fuel card with up to 6.5% savings on co-branded fuel spends which is in tandem with other HPCL fuel credit cards, like IDFC FIRST Power+ and ICICI Super Saver. Not just fuel, it also lets the card users have accelerated savings on other daily spends made at departmental stores, on utilities, LPG and movies, and also offers free airport lounge access. These benefits make it stand out among other low annual fee cards which don’t always cover such expansive spending categories. Moreover, while the joining fee is balanced out through the bonus rewards, the renewal fee can be waived off easily even by the low-spenders.
Pros
- Up to 6.5% savings on HPCL fuel spends
- Accelerated rewards on LPG, departmental stores and utility spends
- Up to Rs. 2,400 savings on movie ticket bookings via District app
- Very low spend-based requirement for renewal fee waiver
- Up to 4 free domestic airport lounge visits per year
Cons
- Monthly capping on accelerated rewards earnings
- Low reward redemption ratio
- Spend-based condition on lounge access benefit
Footnotes
- Accelerated earnings on 24 and 10 reward points category spends are capped at 1,000 reward points per month
- Transactions made towards HP Pay wallet loading are ineligible for these benefits
- Payback points earned on HP Pay app can only be redeemed after registering on the payback website
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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