Last Reviewed: May 2026
BOB HPCL ENERGIE Credit Card Review: Fuel Rewards Card
Looking for a credit card that maximizes fuel savings? The BOB HPCL ENERGIE Credit Card is a co-branded card designed specifically for fuel purchasers, offering up to 4% cashback on HPCL fuel and 1% on other purchases. With no annual fees and easy eligibility, it’s the best fuel-focused card in India.
In this review, we cover fuel rewards, annual fees, eligibility, and who should apply.
Is the BOB HPCL ENERGIE Card Worth It?
Short answer: Yes, if you spend ₹5,000+ monthly on HPCL fuel. The 4% fuel cashback plus zero annual fees make it a no-brainer for regular drivers.
Not ideal if: You use non-HPCL fuel stations, rarely buy fuel, or prefer general-purpose reward cards.
Fees & Eligibility
| Fee Type | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (Lifetime Free) |
| Minimum Income | ₹18L+ (salaried), ₹50L+ (self-employed) |
| Credit Score | 650+ (CIBIL) |
| Welcome Bonus | ₹500-1,000 fuel credit |
Best feature: Completely free. Zero annual fees means pure profit from fuel cashback.
Fuel Rewards Structure
| Fuel Type/Location | Cashback Rate | Details |
|---|---|---|
| HPCL Fuel Pumps | 4% | Direct cashback on statement |
| Non-HPCL Fuel | 1% | Flat rate on other fuel stations |
| All Other Purchases | 1% | Groceries, shopping, dining, etc. |
Real-world calculation: Spend ₹8,000/month on HPCL fuel = ₹320 monthly = ₹3,840 annual cashback. Huge savings with zero fees.
Additional Benefits
| Benefit | Details |
|---|---|
| HPCL Loyalty Points | Earn extra loyalty points on HPCL purchases |
| Emergency Fuel Delivery | 24-hour fuel delivery service (paid, but helpful) |
| Roadside Assistance | Via HPCL network |
| Balance Transfer | 0% interest EMI options available |
Pros & Cons
| Pros ✅ | Cons ❌ |
|---|---|
| 4% cashback on HPCL fuel (direct saving) | Limited to HPCL pumps for top rewards |
| Zero annual fees (lifetime free) | 1% on non-HPCL fuel is weak |
| Easy eligibility (₹18L+ income) | No lounge access or travel benefits |
| Fast cashback crediting | Not ideal for non-fuel spenders |
Final Verdict: Should You Apply?
Rating: 4.6/5 for regular fuel buyers | 2/5 for non-drivers
Perfect for: Daily/weekly commuters and fleet operators who buy fuel regularly at HPCL pumps.
Skip if: You rarely buy fuel, exclusively use non-HPCL stations, or want multi-category rewards.
Bottom line: If you buy fuel weekly, this card is essential. ₹3,000-4,000 annual savings with zero effort is one of the best returns on a credit card in India. Pair with a general-purpose card for complete coverage.
How to apply: Visit Bank of Baroda website or contact any BOB branch.
Last updated: May 2026. Fuel cashback rates and benefits current as of this date.