BOB HPCL Energie Credit Card

Bank of Baroda offers a fuel-focused co-branded card with HPCL called the HPCL BoB ENERGIE Credit Card. It was launched around May 2022 and comes as a contactless RuPay credit card.

The bank designed it mainly for people who spend regularly on petrol or diesel. You earn higher reward points on HPCL fuel stations, and also get benefits on utility bill payments and departmental store shopping. So it suits daily commuters more than occasional users. Bank promotes it like “a tank full of happiness” because maximum benefits come when you pay through the HP Pay app — rewards and savings become higher compared to normal swipe payment. let’s talk fuel features you will get –

What are the Fuel Benefits BOB HPCL Credit Card?

This card’s whole purpose is petrol saving. It can give around up to 6.5% fuel saving when you use it at HPCL petrol pumps, especially if payment is done through the HP Pay app instead of a normal swipe. The actual saving becomes noticeable in the monthly statement.

Fuel benefit breakup (how 6.5% comes)

4% reward points

• You earn 24 reward points for every ₹150 spent on HPCL fuel or LPG booking
• Max 1,000 points per billing cycle (roughly fuel spend up to about ₹6,250)

1.5% extra cashback (HP Pay app)

• When payment is done inside the HP Pay app by scanning the pump QR code
• Comes as Payback/Happy Coins type points

1% fuel surcharge waiver

• Valid on ₹400–₹5,000 transactions
• Max ₹100 per billing cycle

Quick summary

Important usage detail (many people miss this)

Maximum benefit comes only when you pay via the HP Pay app. If you simply swipe the card on the POS machine, you still get points, but extra cashback will not come. You need to:

• Open the HP Pay app
• Scan the QR code at the pump
• Select the credit card payment gateway option

Other operational points

• LPG cylinder booking through HP Pay also earns similar fuel benefits
• Reward value: 1 point ≈ ₹0.25
• Redemption is possible as a fuel voucher or direct cashback on statement adjustment from the BOBCARD reward portal

If someone fills petrol monthly ₹4k–₹6k at HPCL, the card makes sense. But if you use mixed fuel pumps (IOCL/BPCL/random), then savings reduce, and the card feels average.

Other Additional Features And benefits (apart from fuel)

Fuel saving is the main highlight, but the bank has also added normal lifestyle benefits, so the card is usable for daily spending too.

1. Shopping & everyday spending

• Grocery/utility/departmental stores: You can earn 10 reward points per ₹150 spent
• All other spending (including UPI payments): Also, you will get 2 reward points per ₹150
• Accelerated categories (fuel + grocery/utility) each capped at 1,000 points per billing cycle

So you can use a card for an electricity bill, supermarket purchase, or QR payment, also, not only for petrol.

2. Travel & entertainment

• Airport lounge access: You will get Free 4 domestic visits per year (Only 1 per quarter)
  • As per CNBC TV News, from January 2025, you must spend ₹20,000 in the previous quarter to unlock a lounge visit.
  • You can read the BOBCARD LOUNGE PROGRAM Participating Domestic Lounges (Major Airports) List here.
  • At the lounge entry, the staff swipes your card for verification, and a small ₹2 charge appears on the card. It is only for authorisation, non-refundable, and does not count as a lounge visit fee.
• Movie ticket offer: 25% discount (up to ₹100) on bookings via the District app. You can check this offer in the District App Discount section when booking tickets.
  • Valid twice every month with a minimum of two ticket bookings

3. Welcome & milestone benefits

• Joining bonus: 500 reward points after spending ₹5,000 within the first 60 days
• HP Pay welcome cashback: ₹100 cashback on first ₹1,000 recharge inside the HP Pay app
• Annual fee waiver: ₹499 fee becomes zero if yearly spending crosses ₹50,000; this is a good deal.

4. Extra features

• Smart EMI: purchases above ₹2,500 can convert into EMI (6–36 months)
• Add-on cards: up to 3 lifetime free cards for family members (18+ age)
• Zero liability cover: once you report a lost card immediately, the bank protects you from fraudulent usage

Simple understanding – Even if in some months you don’t refill fuel, the card still works as a regular shopping card. But the maximum value still comes only for people who regularly use HPCL petrol pumps.

BOBCARD HPCL ENERGIE vs similar fuel cards (Simple Comparison)

After seeing features, the confusion normally comes because all fuel cards advertise almost the same 6–6.5% saving. The real difference actually comes from eligibility and spending conditions, which many people don’t check before applying.

Eligibility (this is where the decision changes)

1. BOBCARD HPCL ENERGIE
   • Existing BOB customer → around ₹2.4 lakh yearly income
   • Others → ₹3.6 lakh salaried OR ₹4.8 lakh self-employed
   • A good credit history and score of around 740 to 760.
2. 2. ICICI HPCL Super Saver
   • Salaried → about ₹2.4 lakh yearly (~₹20k/month)
   • Self-employed → similar requirement
3. IDFC FIRST Power+
   • Around ₹3 lakh yearly income
   • Usually needs a good CIBIL (≈750+)

What this actually means (practical view)

1. Already using a Bank of Baroda account? = BOBCARD becomes easiest to manage, and the fee waiver is simple (₹50k spend only).
2. Lower salary / first job? = ICICI HPCL card approval chances are usually higher and easier.
3. Want maximum welcome benefit? = IDFC FIRST gives the biggest starting perks, but spending conditions are stricter.

All three give almost the same petrol saving. The real choice is not savings — it is approval chances and yearly spend target. BOBCARD suits moderate users who want easy fee waiver. ICICI suits beginners with lower income, and IDFC suits higher credit-score users who can maintain monthly spending regularly.

What are all charges, Credit limit & full practical review

The fee is low, and the benefits are good only if you regularly use HPCL products. Before applying, understanding charges and limits is important.

All charges & interest rates

Important: If you pay the full bill every month → zero interest. Interest starts only when you carry a balance or pay a minimum amount.

Salary vs credit limit (what limit you may get)

Bank of Baroda decides the limit based on income, CIBIL score and loans.

• Existing BOB customer → around ₹2.4 lakh yearly
• Others → ₹3.6 lakh salaried / ₹4.8 lakh self-employed
• Banks usually give about 2×–3× of the monthly salary
• Example:
  • ₹25k salary → ₹30k–₹65k limit at starting
  • ₹60k salary → ₹1.2L–₹1.8L limit (if credit score clean)
• Lower CIBIL or many EMIs → smaller limit.

Advantages (where the card is strong)

• Up to ~6.5% fuel saving at HPCL pumps (points + waiver + HP Pay cashback)
• Extra rewards on groceries and utility payments
• Easy annual fee waiver — ₹50k spend is achievable
• RuPay UPI payments earn rewards on QR scan
• 4 domestic airport lounge visits yearly

Drawbacks (real limitations)

• Reward cap: fuel benefit limited to ~₹6,250 monthly fuel spend
• Lounge use requires ₹20k spending in the previous quarter (from 2025)
• Very low reward rate on normal shopping (~0.33% value)
• Benefits only at HPCL pumps, no extra savings at Indian Oil or BPCL

How to apply BOBCARD HPCL ENERGIE Credit Card (digital process)

Now the application is mostly paperless. You can complete it from home using a mobile or a laptop; a branch visit is not required. Keep your Aadhaar-linked mobile active and your PAN handy before starting. Most applications that fail are only because OTP or VKYC verification doesn’t complete properly, not because of income.

Step 1. Step-by-step online application

1. Go to the BOBCARD website and select the HPCL ENERGIE card
2. Enter mobile number, PAN and basic personal details
3. Fill employment and income information
4. Do Aadhaar OTP e-sign to submit the form
5. Complete Video KYC (VKYC) on camera

After VKYC approval, the bank processes the card, and the dispatch starts.

Step 2. Video KYC — what you actually need

Keep ready before the call:

• Original PAN card
• Aadhaar-linked mobile
• Blank white paper
• Blue/black pen
• Stable internet

The officer will:

• Take a live photo
• Verify PAN on camera
• Ask you to sign the paper and show your signature

In most cases this fully replaces branch visit.

Step 3. Documents required (digital)

Identity & address

• Aadhaar card
• PAN card

Income proof

• Salaried: last 1–2 months bank statement (salary credit visible)
• Sometimes a salary slip
• Self-employed: 2–3 months bank statement or ITR

Important: Salary slip / ITR is usually asked only if the credit score is low, the limit request is high, or the profile needs verification. Many approved users are verified directly through the CKYC database.

Step 4. Will bank staff visit the home?

Normally, no visit happens. Physical verification only in rare cases: unclear address, mismatch in documents, OR new credit history. Otherwise VKYC alone is enough.

• If you already hold another credit card → card-to-card approval is possible, process is smoother
• If you have a CKYC record or existing bank history → fewer documents are asked

Step 5. Should you check eligibility first?

Yes — better first step. Direct apply = hard enquiry on CIBIL. If rejected, the score slightly drops. Pre-checking credit card eligibility (for example via Easemoney) estimates approval chance first, then you apply only when the profile matches. That avoids unnecessary rejection and keeps the credit profile safer

FAQs