BOBCARD HPCL Energie Credit Card Review
The BOBCARD HPCL Energie is a fuel co-brand for HPCL customers — up to 5% savings on fuel, free fuel annually, an HP Pay bonus and lounge access. Here is the verified review.
- Up to 5% savings on HPCL fuel
- Up to 80 litres of free fuel a year
- Extra 1.5% via HP Pay app
- 2% on utilities & departmental stores
- 4 lounge visits/year; fee waived at ₹50k spend
- Best value only at HPCL pumps
- Fuel reward caps apply
- Modest base on general spends
- HP Pay bonus needs the app
- Reward value depends on redemption
Rewards & benefits
| Item | Detail |
|---|---|
| HPCL fuel/LPG/HP Pay | Up to 5% (24 RP/₹150 = 4% + 1% waiver); up to 80L free fuel/year |
| HP Pay app bonus | +1.5% (PAYBACK points) |
| Utilities & dept stores | 2% savings |
| Lounge | 4 domestic visits/year (1/quarter) |
| Annual fee | Waived on ₹50,000 spend |
Who this card is for
- Best fit: HPCL loyalists (especially HP Pay users) who want maximum fuel value plus some everyday rewards.
- Skip if: you fuel elsewhere or want a broad rewards card.
How to apply & how to cancel
Apply: via bobcard.co.in. Cancel: call BOBCARD after clearing dues; redeem points first.
Final verdict
The BOBCARD HPCL Energie is one of the stronger HPCL fuel cards — up to 5% on fuel, free fuel annually, an HP Pay bonus and lounge access, with the fee easy to waive. Value concentrates at HPCL, so it’s a fuel-loyalist’s card; pair it with a flat-rate card for everything else.
Frequently asked questions
How much fuel savings?
Up to 5% on HPCL fuel (24 RP per ₹150 = 4% plus a 1% surcharge waiver), with up to 80 litres of free fuel a year.
What’s the HP Pay bonus?
An extra 1.5% cashback (PAYBACK points) on fuel transactions made via the HP Pay app.
Does it reward non-fuel spends?
Yes — 2% savings on utilities and departmental stores.
What’s the fee?
Waived on ₹50,000 of annual spend.
Data current as of June 2026, cross-checked against BOBCARD and HPCL. Confirm current terms on bobcard.co.in before applying.