6.50% REWARD ON HPCL FUEL PURCHASES, UPI ENABLED CARD

BOB HPCL Energie Credit Card

BOB HPCL Energie Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
6.50% reward on HPCL fuel, on purchases up to ₹6250 per month
✔︎
Domestic airport lounge access – 1 time per quarter
✔︎
25% movie discount (up to ₹100), 2 times per month
✔︎
Low annual card spend requirement of ₹50,000, for annual fee waiver
Annual Fee

₹499

Minimum Income

Salaried : ₹3 lakhs per year | Self-employed : ₹3.60 lakhs per year

Annual Fee Offers
  • Welcome offer: 500 rewards points worth ₹125 (on spending ₹5000 within 60 days)
  • Renewal offer: Annual fee waived at ₹50,000 annual card spend

6.50% earning on HPCL fuel (petrol, diesel and LPG) 

  1. 4% cashback: 16 reward points worth ₹4, per ₹100 spent. Monthly limit: 1000 reward points worth ₹250, reached at ₹6250 monthly spend  
  2. 1.50% reward through HP Pay App: 6 Payback points worth ₹1.50, per ₹100 spent 
  3. 1% fuel surcharge waiver: Valid on fuel transactions between ₹400 and ₹5000. Monthly limit: ₹100 per month, reached at ₹10,000 monthly spend 

1.66% cashback on utilities & department stores  

  • 6.66 reward points worth ₹1.66, per ₹100 spent
  • Monthly limit: 1000 reward points worth ₹250, reached at ₹15000 monthly spend 

0.33% cashback on other card purchases (including UPI on RuPay cards)

  • 1.33 reward points worth ₹0.33, per ₹100 spent 
  • Important exclusions: No reward points on fuel, rent, education, wallet loads, government, insurance, charity, and supermarket purchases.

Domestic airport lounge access: 1 visit per quarter (requires ₹20,000 spending in the previous quarter)

25% movie discount at Zomato District 

  • 25% discount, up to ₹100 per transaction
  • Requirements: Minimum 2 tickets per transaction
  • Valid 2 times per month
  • Effective range: 25% discount on bills up to ₹400; flat ₹100 off on higher amounts

Value of reward points 

  • Reward Points: 1 point = ₹0.25 (cashback redemption)
  • PayBack Points: 1 point = ₹0.25 
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Benefits

  • High 6.50% reward on fuel purchases (including fuel surcharge waiver)
  • Low yearly spend requirement of ₹50,000 for annual fee waiver 
  • Complementary domestic airport lounge access – 4 times per year
  • 25% discount on movie tickets

Drawbacks

  • You are restricted to HPCL fuel pumps to get fuel rewards
  • Not ideal for high fuel spenders – those spending much more than ₹6,250 per month on fuel
  • Low rewards on non-fuel purchases

To read the full review of the card , please click here
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