HPCL BOBCARD ENERGIE
Available on the RuPay network, the HPCL BOBCARD ENERGIE combines everyday fuel savings with UPI QR functionality. Cardholders receive up to 6.5% combined value back on fuel and LPG purchases at HPCL stations via the HP Pay app, 10 RPs per ₹150 on utilities and departmental stores, and 4 domestic airport lounge visits a year.
Why We Recommend The HPCL BOBCARD ENERGIE
A high-utility fuel and utility bill card that stands out by including domestic airport lounges and RuPay UPI at ₹499.
Commuters and households who refuel at Hindustan Petroleum outlets and pay monthly utility bills.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the HPCL BOBCARD ENERGIE
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the HPCL BOBCARD ENERGIE
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the HPCL BOBCARD ENERGIE
Experience complimentary gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)
Valid across 40+ premier domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes HPCL BOBCARD ENERGIE Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
24 RPs per ₹150 (4% return) + 1% surcharge waiver at HPCL fuel stations and on LPG refills.
10 RPs per ₹150 (1.67% return) on utility bills and departmental store purchases.
25% discount on movie tickets via District / Paytm (up to ₹100 discount).
Honest Pros & Cons of the HPCL BOBCARD ENERGIE
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Strong return on both HPCL fuel (up to 5% on card + 1.5% on HP Pay) and household utility bills (1.67%).
- Includes 4 domestic airport lounge visits at a budget ₹499 fee.
- Low ₹50,000 annual spend threshold for renewal fee waiver.
Things to Consider (Cons)
- Fuel benefits are restricted exclusively to HPCL outlets and the HP Pay ecosystem.
- Accelerated points are capped at 1,000 RPs per statement cycle, and fuel surcharge waiver is capped at ₹100/cycle.
- Transactions below ₹150 do not earn reward points.
Who Can Apply for the HPCL BOBCARD ENERGIE?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
700+ Score Recommended
Applicants with a score above 700 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About HPCL BOBCARD ENERGIE
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for HPCL BOBCARD ENERGIE is ₹499 + GST.
You can have this fee completely waived by meeting the annual spend milestone: Waived on annual spends of ₹50,000 or more. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The HPCL BOBCARD ENERGIE features: Up to 5%–6.5% value back (24 RPs per ₹150 + 1% surcharge waiver + HP Pay rewards) on HPCL fuel & LPG.
Base reward: 2 Reward Points per ₹150 on generic retail purchases (0.33% return).
Accelerated reward: 24 Reward Points per ₹150 on HPCL fuel & HP Pay App (4% return, capped at 1,000 RPs/cycle) + 1% fuel surcharge waiver (up to ₹100/cycle); 10 RPs per ₹150 on utilities & departmental stores (capped at 1,000 RPs/cycle).
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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Ready to Apply for the HPCL BOBCARD ENERGIE?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.