BOB HPCL ENERGIE Credit Card Review

HPCL Credit Card


Bank of Baroda BOB HPCL ENERGIE Credit Card may be better than other fuel cards like Union Bank Carbon Credit Card and Citi Bank Indian Oil Credit Card by providing RuPay lounge access and availability of HP fuel station. It also outperforms in terms of reward structure compared to existing fuel cards. The only thing the card lacks is proper customer support.

BOB HPCL ENERGIE credit card charges and Fees

Joining FeesRs. 499 + GST
Joining Benefits2000 reward points (worth Rs. 500) on spending Rs. 5000 within 60 days of joining
Renewal FeesRs. 499 + GST
Renewal BenefitsNIL
Renewal fee waiver criteriaAnnual spending of Rs. 50000 and above

Welcome benefits on the BOB HPCL ENERGIE Credit Card are easily achievable, making the card First Year Free.
Though no lifetime free (LTF) option exists in the BOB HPCL ENERGIE Credit Card, the current wee waiver criteria are easily achievable.


SpendReward EarnedAbsolute returnReward Capping
HPCL (Fuel, LPG)24 Reward Points / Rs 150 spent4%1000 Reward Points/month
Groceries, departmental stores and utilities10 Reward Points / Rs 150 spent~1.67%1000 Reward Points / month
All other spends2 Reward Points / Rs 150 spent~0.33%No Capping
1 Reward Point = Rs. 0.25

Reward points earned can be redeemed as a statement credit, and the Bank of Baroda HPCL credit card charges No reward redemption fees. This comes as an advantage where in competing fuel cards, the rewards earned can be used to purchase vouchers or settled at a much lower value when adjusted as a statement credit.


Four (4) complimentary lounge access capped at 1 per quarter.
Check lounge access in your existing cards from here.

Application Process

As I already had one Bank Of Baroda Priemer Credit card, I received an SMS to apply for a BOB HPCL ENERGIE Credit Card. Existing Bank of Baroda card holders can check their pre-approved offer here.

HPCL ENERGIE Bank of Baroda Credit Card SMS

Looking at the SMS, it was clear that this card was pre-approved and only offer confirmation was required, and on doing the card was delivered within 4-5 days.

BOB HPCL ENERGIE Credit Card can also be applied on the Bank of Baroda website from here.
My bob hpcl energie credit card limit was shared with current credit card limit.

HPCL Credit Card Benefits

  • PayTM Movies: 25% off up to Rs. 100 on PayTM movies. This can be a sure bet without any quota exhausted like BookMyShow.
  • Forex Markup Charges: 3.5% + GST

Final Thoughts

Bank of Baroda HPCL ENERGIE Credit Card Review

CC Expert

HPCL Credit Card


Axis Bank IOCL credit card, HDFC Indian Oil Credit card and Standard Chartered SuperValue Titanium credit cards are the ones that give ~5% cashback on fuel spends. But this cashback comes with either redemption charges or can be redeemed as vouchers. HPCL ENERGIE Bank of Baroda Credit Card is the only fuel card currently that gives total reward points as statement credit without any redemption fees. With higher caps on fuel rewards, easily achievable fee waiver criteria, lounge benefits, and HPCL credit card benefits of combined Bank of Baroda and RuPay offers, this card shouldn’t be missed.


Pro Tips

  • Fuel spending of Rs. 6250 should be made for maximum benefits.
  • Transactions should be made from the HP App for an added 1.5% benefit as PayBack points. This would increase the total fuel purchase reward to 5.5%, the highest among any fuel card.

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