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The HPCL Bank of Baroda ENERGIE Credit Card is a joint collaboration between two leading organisations, Hindustan Petroleum Corporation Limited (HPCL) and Bank of Baroda (BOB). This co-branded fuel card provides attractive incentives on fuel expenditure. It also provides benefits on your shopping & entertainment spending.

Brief Summary

Our Rating
4.25 / 5

Our View :

Best for those who spend upto ₹6250 on monthly fuel purchases, and are comfortable with being restricted only to HPCL (Hindustan Petroleum) fuel pumps. You get 6.50% benefit on your fuel purchases, including 1% fuel surcharge waiver.

You also get free visits to airport lounges in India – upto 4 times per year (maximum once per quarter).

The annual card spend target to get annual fee waiver from 2nd year onwards is low – ₹50,000. Moreover, 1st year annual fee is compensated by welcome benefits.

HPCL Bank Of Baroda Energie Credit Card

on BOB Financial website

HPCL Bank Of Baroda ENERGIE Credit Card

Special Benefits

6.50% benefit on HPCL fuel purchases

Other Benefits

Complimentary airport lounge access in India

Minimum Income

Salaried : ₹3.60 lakhs per year

Self-employed : ₹4.80 lakhs per year

Annual Fee

₹499

Annual Fee Offers

Welcome offer worth ₹500

Renewal fee waived at ₹50,000 annual card spend

HPCL Bank Of Baroda ENERGIE Credit Card : Summary Table

6.50% earning on HPCL fuel (petrol, diesel and LPG) purchases
4% special benefit on HPCL fuel purchases
1.50% on HPCL fuel purchases through HP Pay App
1% fuel surcharge waiver
4% special benefit on HPCL fuel purchases – You earn 16 reward points worth ₹4 , on every ₹100 you spend at HPCL pumps – only on purchases upto ₹6,250 per month. Since :
– the maximum rewards points at this special earning rate are restricted to 1000 reward points per monthly card statement cycle.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

Additional benefits of 1.50% on HPCL fuel spends by paying through HP Pay App: You earn additional 6 Payback points worth ₹1.50 , on every ₹100 you spend using your HP Pay app at HPCL fuel outlets – only on purchases till ₹5,000 per month. This benefit is offered by HPCL.
– 1 Payback point = ₹0.25 (25 paise), and can be redeemed on zillionrewards.in (earlier was called Payback and now has been rebranded to zillionrewards)

1% fuel surcharge waiver at all fuel stations – On all fuel purchases between ₹400 and ₹5,000, AND on upto maximum fuel purchases of ₹10,000 per month. Both these conditions need to be met to avail fuel surcharge waiver.
1.66% benefit on utilities, groceries & department store spendsYou earn 6.66 reward points worth ₹1.66 , on every ₹100 you spend on utilities, groceries & department store spends – on combined total purchases of upto ₹15,000 per month in this category. Since :
– the maximum rewards points at this special earning rate are restricted to 1000 reward points per monthly card statement cycle.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
0.33% benefit on all other purchasesYou earn 1.33 reward points worth ₹0.33 (33 paise) , on every ₹100 you spend on all other purchases. Since :
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
Complimentary airport lounge access in IndiaComplementary domestic airport lounge access – upto 1 free visit per quarter (4 times per year). Please click here for more details.
25% benefit at Paytm Movies– This offer can be availed up to 2 times per month.
– You need to do a transaction of minimum 2 tickets.
– You get a 25% discount, upto maximum ₹100 discount per transaction. Hence you get a 25% discount on a purchase transaction up to ₹400. You can do a purchase of more than ₹400, but you will get a maximum discount of ₹100 and your discount% would be lower than 25%.
₹499 annual feeAnnual fee offers –
– Welcome offer worth ₹500 : You get 2000 bonus rewards points worth ₹500, by spending ₹5000 or more within 60 days of receiving the card.
– Renewal fee offer : Annual fee is not charged from the second year onwards, if you spend ₹50,000 or more in the previous year.
 
Hence the card is virtually free if you spend ₹50,000 or more per year
Minimum income requirementsSalaried : ₹3.60 lakhs per year
Self-employed : ₹4.80 lakhs per year

Pros and Cons

Pros

  • Very attractive benefit rate of 6.50% on monthly fuel spends – 4% if you pay for HPCL fuel purchases without HP Pay App, and 5.50% if you pay through HP Pay App. PLUS 1% fuel surcharge waiver
  • 1st year annual fee is fully covered by joining benefits of ₹500. Annual fee from 2nd year onwards is waived off at ₹50,000 annual spend.
    Hence the card is virtually free if you spend ₹50,000 or more per year
  • If you spend ₹50,000 on fuel purchases at HPCL outlets, the card is virtually free , and you also get an attractive benefit rate of 6.50% on fuel expenditure
  • The card also has additional benefits in terms of good reward rates of 1.66% on utilities, groceries and department stor
  • Complementary domestic airport lounge access – once per calendar quarter (4 times per year)
  • 25% discount at Paytm Movies
  • 3 lifetime free complimentary add-on cards for dependents above 18 – spouse, parents, siblings or kids above age 18

Cons

  • Accelerated fuel rewards are only available at HPCL Outlets, so one needs to plan more in terms of going to particular HPCL petrol pumps to get fuel filled
  • Not ideal for high fuel spenders – those spending more than ₹ 6,250 per month on fuel

Comparing with Competitor Fuel Credit Cards

Features
HPCL BOB ENERGIE Credit Card
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Standard Chartered Super Value Titanium Card
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HDFC Indian Oil Credit Card
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ICICI HPCL Super Saver Credit Card
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Reward Rates 0.3% – 4%

5%

0.66% – 4.8%

0.5% to 5%

Other benefits Fuel Surcharge Waiver Fuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge Waiver
Annual Fee ₹499

₹750

₹500

₹500 + GST

Annual Fee Offers Zero renewal fees – if minimum spending in the previous year is ₹50,000

Annual Fee Reversal on meeting ₹90,000 spends

Zero renewal fees – if minimum spending in previous year is ₹50,000

Fee waiver on annual spends of ₹1,50,000 lakhs.

Minimum IncomeOver ₹3,60.000 for salaried individuals and ₹ 4,80,000 for self-employed individual.₹55,000Over ₹10,000 for salaried individuals & ₹6,00,000 for self-employed individualNot Specified

Full Review of the HPCL Bank Of Baroda ENERGIE Credit Card

HPCL Bank Of Baroda Energie Credit Card

Features & Benefits of the HPCL Bank Of Baroda ENERGIE Credit Card

6.50% special benefit on fuel (petrol, diesel and LPG) purchases

✔︎ 4% special benefit on HPCL fuel purchases (without using HP Pay App)

Earning reward points : You earn 24 reward points on every ₹150 purchase = 16 reward points on every ₹100 purchase = ₹4 on every ₹100 purchase (since 1 reward point = ₹0.25)

Redeeming reward points : The simplest way is to redeem reward points as cashback – on Bank of Baroda mobile app or internet banking. 1 reward point = ₹0.25. For example, 1000 reward points can be converted to ₹250 cashback against your monthly card bill.

Restrictions on special benefits : You get special benefits on HPCL fuel purchases (as described above) only on purchases upto ₹6250 per month, since you can earn a maximum of 1000 reward points at this accelerated rate. After the first ₹6250 spent on HPCL fuel expenses during the month, you will earn basic benefit rate of 2 reward points (worth ₹0.50 or 50 paise) on every ₹150 you spend on additional purchases in the month.

Other important information : Reward points are valid for 2 years.

✔︎ Additional rewards of 1.50% on HPCL fuel purchases – by paying through HP Pay App

Earning reward points : You earn 6 Payback points on every ₹100 purchase = You earn ₹1.50 on every ₹100 purchases , since 1 Payback point = ₹0.25 or 25 paise. You need to scan the QR code available at the HPCL pump, with your HP Pay app, and then pay through the credit card payment gateway option.

Redeeming reward points : You can redeem your Payback points on this website – zillionrewards.in (earlier was called Payback and now has been rebranded to zillionrewards). 1 Payback point = ₹0.25 or 25 paise

✔︎ 1% fuel surcharge waiver

Applicable fuel stations and brands : Fuel surcharge is applicable at all petrol stations.

Restrictions on fuel surcharge waiver benefits :

  • Fuel transaction limit : On all fuel transactions between ₹400 and ₹5000 only, AND
  • Monthly fuel spend limit : On upto a maximum of ₹10,000 fuel spend per month (since the maximum surcharge amount is restricted to ₹100 per card statement cycle)
  • Both the above conditions need to be met to avail surcharge waiver

1.66% benefit on utilities, groceries & department store spends

a. Earning reward points : You earn 10 reward points on every ₹150 purchase = 6.66 reward points on every ₹100 purchase = ₹1.66 on every ₹100 purchase (since 1 reward point = ₹0.25)

b. Restrictions on special benefits : You get special benefits in this category on combined total purchases upto ₹15,000 per month, since you can earn a maximum of 1000 reward points at this accelerated rate. After the first ₹15,00 spent in combined total purchases in this category, you will earn basic reward rate of 2 reward points (worth ₹0.50 or 50 paise) on every ₹150 you spend on additional purchases in the month

c. Redeeming reward points : The simplest way is to redeem reward points as cashback – on Bank of Baroda mobile app or internet banking. 1 reward point = ₹0.25. For example, 1000 reward points can be converted to ₹250 cashback against your monthly card bill.

d. Other important information : Reward points are valid for 2 years.

0.33% benefit on all other spends

a. Earning reward points : You earn 2 reward points on every ₹150 purchase = 1.33 reward points on every ₹100 purchase = ₹0.33 (33 paise) on every ₹100 purchase , since 1 reward point = ₹0.25 or 25 paise

b. Redeeming reward points & other important information : same as explained in the section above

Complimentary domestic airport lounge access – 1 free visit per quarter

Number of domestic airport lounge visits (within India)Upto 4 times per year (maximum one visit per calendar quarter )
Participating lounge partnersFor a list of participating airport lounges and more information, please visit here. Domestic airport lounge access is offered through the Rupay airport lounge program from NPCI.
Lounge access conditionsYou can access partner lounges at Indian airports by presenting your credit card and making a simple authorization transaction.  An authorization for an amount of ₹2 will be taken on the card for validation purposes, and it will be charged to your credit card account. 

Access to the airport lounge would be granted upon successful authorization of the RuPay ENERGIE Credit Card on the point of sale terminal placed at the lounge.
Important terms and conditions of the programThe Rupay airport lounge program may be revised at the discretion of NPCI, and the same will be communicated periodically. For full terms and conditions, please click here.

Movie ticket benefits

You get a 25% discount on ticket purchases up to ₹400 per month (since maximum discount is capped at ₹100) – when you buy a minimum of two tickets. If the tickets cost more than ₹400, you will still get the maximum discount of ₹100, and your discount% will fall below 25%. For example, if the tickets cost ₹500, then your discount% will fall to 20%.

This offer can be availed up to two times per month.

Other Cardholder Benefits

24/7 customer supportYour bank is always available; please click here for all the available options to contact the bank. 
Security featuresChip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even your card is lost it is unlikely to be misused since BOTH the physical card and the PIN is required to spend on the card

Two-factor authentication – security for online transactions : When making an online transaction, you usually approve your online transaction through using a One-time Password (OTP) which you get on your mobile phone . Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of your card being misused, you would still get these alerts and notifications – which will help you to immediately block your credit card.

HPCL BOB Credit Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹499Welcome offer : You get 2000 rewards points worth ₹500, by spending ₹5000 or more within 60 days of receiving the card
Renewal fee from 2nd years onwards₹499Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if minimum card spending in the previous year is ₹50,000

Hence the card is virtually free , if you spend ₹50,000 or more each year

Late payment fee

Late payment fee depends on the total payment due –

Total amount dueLate fee
 Less than ₹100Nil
₹100 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25001 to ₹50,000₹1100
More than ₹50,000₹1300

Foreign currency mark-up fee

3.50% of the transaction value.

Finance charges

3.49% per month (41.88% per annum)

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HPCL Bank Of Baroda Energie Credit Card Fees & Charges


Eligibility Criteria

Age – The primary cardholder must be between 21 and 65 years of age
– The add-on cardholder must be over 18 years of age
Minimum income requirementSalaried :  ₹3.60 lakhs per year
Self-employed :  ₹4.80 lakhs per year
Credit score requirements A minimum Cibil Score of 750 and above is preferably required.

Applying & Tracking Application Status

Step-by-step guide

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the BOB Financial website. You can also visit official website of BOB Financial and fill out the application form.

Steps –
1. Complete the e-application
2. Aadhaar-based e-signature
3. Confirm with video KYC
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Approval timeline and processThe credit card decision would be generally communicated within 7-14 working days in most cases. In certain cases, it could take longer, especially if the bank wants more information and/or documents from you.
Application status tracking You can also track your application here.

Necessary documents

Required documents   – PAN Card photocopy
– Current residence proof
– Income documents – bank statement showing latest salary credit, income tax return of current financial year
– 1 recent passport size photograph

Choosing the right card for your needs

As you have seen , the best fuel card depends on your personal circumstances. Some of the main points you should look at –

EligibilitySalaried : ₹3.60 lakhs per year , Self-employed : ₹4.80 lakhs per year . Your credit scores, past relationship with the bank, are some of the other critical factors which play a role.
Your monthly fuel spendFuel cards give higher promotion benefits on fuel purchases, on a certain monthly spend amount on fuel. For example HPCL BOB Energie Card gives upto 6.50% benefit on HPCL fuel transactions , on a maximum monthly fuel spend of ₹6,250
Are you comfortable having more than 1 card ?Fuel cards normally do not offer very high benefits on non-fuel spending. Hence they are best when you get them IN ADDITION to one or two other cards, which give you high rewards on your major non-fuel purchases such as shopping, travel, etc.
Annual fee– Does your BOB card offer welcome benefits which are more or less the same as the 1st year joining fees – the answer is yes as we have seen in this case.
– Will your yearly spending on the BOB HPCL card help you meet the annual spend target which most fuel cards have to waive off annual fee from second year onwards – in the case of HPCL BOB Energie card, if you spend ₹50,000 every year, it will be virtually free.

Conclusion

As you can see, your personal circumstances would dictate the best card for you.

When compared to other fuel credit cards, Bank of Baroda HPCL Energie Credit Card is a great fuel card option for those who spend about ₹6250 per month on fuel, and do not mind being restricted only to HPCL petrol pumps. On these spends one can not only get upto 6.50% rewards on HPCL fuel purchases, but these level of spends will also help you meet the annual renewal fee waiver target of ₹50,000 which will make this card virtually free.

This card also gives a decent reward rate of 1.66% on a wide range of spends of a typical household – utilities, grocery & department store, upto monthly spends of ₹15,000. Hence for those who do not want to pair BOB HPCL Credit Card with other best in category cards (like best cards for shopping, travel etc), this card can be a simple solution for a wide variety of needs. Else it can be a great companion card to other best in class category cards.

Apply Now

on BOB Financial website

Frequently Asked Questions

Is there an annual fee for the HPCL Bank of Baroda ENERGIE Credit Card?

Yes, there is an annual fee for the HPCL Bank of Baroda ENERGIE Credit Card. However, this card can be virtually free based on the welcome offer worth ₹500 , AND if you meet the annual spend target of ₹50,000 for renewal fee waiver – see details in Pros and Cons section

Can I use the HPCL BOB ENERGIE Credit Card internationally?

Yes, the HPCL Bank of Baroda ENERGIE Credit Card can be used internationally. However, foreign currency transaction fee of 3.50% of transaction value , and currency conversion charges will apply.

How can I redeem my reward points earned on the HPCL Bank of Baroda ENERGIE Credit Card?

You can redeem your reward points earned on the HPCL Bank of Baroda ENERGIE Credit Card through the Bank of Baroda mobile app or internet banking. You can redeem them for cashback OR a variety of products and services. 1 reward point = ₹0.25 or 25 paise.

How can I track my expenses and payments made through the HPCL Bank of Baroda ENERGIE Credit Card?

You can track your expenses and payments made through the HPCL Bank of Baroda ENERGIE Credit Card through the Bank of Baroda mobile app or internet banking. You can also receive monthly statements and transaction alerts through email or SMS.

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