BOBCARD HPCL ENERGIE Credit Card Review
The BOBCARD HPCL ENERGIE is a low-fee fuel card for HP petrol pump users. It earns about 4% back at HPCL outlets, LPG and the HP Pay app, and runs on RuPay so it can be linked to UPI.
Both accelerated categories are capped at 1,000 points per statement, and since mid-2026 the fuel rate applies only at HPCL outlets on BOBCARD’s eligible list.
- About 4% back at HPCL, LPG and HP Pay
- About 1.7% on utilities and department stores
- Low ₹499 fee, waivable
- RuPay — works on UPI
- 4 domestic lounge visits a year for regular spenders
- HPCL and utility points each capped at 1,000 a statement
- UPI spends do not count towards the fee waiver
- Fuel waiver capped at ₹100 a statement
- Lounge visits need ₹20,000 spend in the previous quarter
- Fuel benefits limited to eligible HPCL outlets from 15 Jul 2026
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹499 + GST |
| Annual fee | ₹499 + GST, waived on ₹50,000 spend in the anniversary year (UPI excluded) |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹100 a statement |
| Interest | About 3.75% a month (check BOBCARD’s MITC) |
Rewards: how the card earns
| Spend | Points per ₹150 | Cap per statement | Value at ₹0.25 |
|---|---|---|---|
| HPCL fuel, LPG, HP Pay | 24 | 1,000 | ~4% |
| Utilities and department stores | 10 | 1,000 | ~1.7% |
| Other spends | 2 | — | ~0.33% |
HP Pay wallet loads and direct debits do not earn the accelerated rate or the fuel waiver.
What earns nothing
Wallet loads (including HP Pay wallet) and direct debits earn no accelerated points. UPI spends earn points but do not count towards the fee waiver.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | 500 points on ₹5,000 spend within 60 days |
| Lounge access | 4 domestic visits a year (1 a quarter), each needing ₹20,000 spend in the previous calendar quarter |
| Movies | 25% off movie tickets, up to ₹100 |
| Fuel | 1% surcharge waiver at eligible HPCL outlets |
Eligibility
Issuer
BOBCARD (Bank of Baroda)
Network
RuPay
Age
Salaried 21–60; self-employed 24–65
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: HP petrol pump users spending up to about ₹6,000 a month on fuel.
- Skip if: you fill up mainly at IndianOil or BPCL.
Alternatives worth comparing
Final verdict
A good low-cost HPCL card with a useful utilities rate and UPI support. The per-statement caps keep it in the moderate-fuel-user bracket.
Frequently asked questions
How much do I earn at HPCL?
24 points per ₹150, about 4% at ₹0.25 a point, capped at 1,000 points a statement.
Is the fee waivable?
Yes, on ₹50,000 spend in the anniversary year; UPI spends do not count.
Does it give lounge access?
4 domestic visits a year, each needing ₹20,000 spend in the previous quarter.
Which network is it on?
RuPay, so it works on UPI.
Are all HPCL pumps eligible?
From 15 July 2026 the fuel benefits apply only at eligible HPCL outlets; check BOBCARD’s list.
Last verified: October 2026, against BOBCARD’s HPCL ENERGIE card page and terms. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.