HPCL Bank of Baroda ENERGIE Credit Card
Co-branded
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 co-branded fuel credit card offering savings of up to 6.5% on HPCL fuel spends. Value-back is offered in the form of 4% reward points, 1.5% Payback Points on HP Pay App and 1% fuel surcharge waiver. Beyond fuel, the card provides accelerated rewards on departmental stores and utility spends – common everyday spending categories. The card is also available in Rupay variant allowing users to earn rewards on UPI spends.
While the base rate of HPCL BoB ENERGIE Credit Card stands too low at 0.33%, those who spend a significant amount on fuel and prefer HPCL over other refineries can consider getting this card. HPCL has also collaborated with other providers to offer co-branded fuel credit cards. Read our detailed comparison of HPCL fuel credit cards before choosing.
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 & Rewards Program
Savings on HPCL Fuel Spends
- 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
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
Other Features & Benefits
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
Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 499 + 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 every month
You prefer HPCL over other fuel refineries like Indian Oil, BPCL, etc.
You want a low annual fee credit card that caters to fuel as well as other everyday spends like utilities and departmental stores
You already have other credit cards that offer significant value-back other spends like online shopping, dining, etc.
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. for both salaried & self-employed
Paisabazaar Review
What do we like about this card?
Being an entry-level card, HPCL BoB ENERGIE justifies its annual fee of Rs. 499 by offering up to 6.5% savings on fuel spends, along with accelerated savings on other daily expenses like departmental stores and utility spends. The value-back is on par with other HPCL fuel credit cards, like IDFC FIRST Power+ and ICICI Super Saver. Moreover, the annual fee waiver condition of Rs. 50,000 is quite easy to reach, even for low spenders. The inclusion of 4 domestic lounge visits in a year and movie benefits worth Rs. 200 per month add to its benefits.
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
Conclusion
Though HPCL BoB ENERGIE is a good option among entry-level fuel cards, consumers who have high fuel expenditure every month should consider other cards like Indian Oil RBL XTRA or BPCL SBI Card Octane – the two leaders in the fuel credit card segment. While these are available at slightly higher annual fees, their value-back potential is much higher – 8.5% for RBL XTRA and 7.25% for BPCL Octane.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, cardholders can get 1 complimentary domestic lounge visit every quarter, subject to meeting the quarterly spend threshold of Rs. 20,000.
Fuel surcharge waiver is capped at Rs. 100 per statement cycle.
No. The card does not offer any renewal benefits. However, it comes with an easy annual fee waiver condition of Rs. 50,000 per year.
Yes. HPCL BoB ENERGIE Credit Card offers Smart EMI Option wherein you can convert transactions above Rs. 2,500 into EMIs of 6 months to 48 months. The rate of interest will be communicated at the time of sourcing.
You get 25% off up to Rs. 100 when booking movie tickets via District App. However, you must book at least 2 tickets to avail this benefit. You can get this discount only twice a month.
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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