BOB HPCL Energie RuPay Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹499
₹499
3.5%
4 visits/yr
Contents
BOB HPCL Energie RuPay Credit Card is a co-branded fuel credit card from Bank of Baroda and HPCL designed for heavy fuel and everyday spenders. You earn high value-back on HPCL fuel purchases, accelerated reward points on utilities and departmental stores, and base rewards on all other spends including UPI transactions via RuPay. The card also offers complimentary domestic airport lounge access, fuel surcharge waiver and flexible Smart EMI options, making it a strong value-for-money fuel credit card for Indian motorists.
Features of BOB HPCL Energie RuPay Credit Card which makes it unique
High Fuel Savings
Combined value-back of up to around 6.5% on HPCL fuel spends through reward points, HP Pay cashback and surcharge waiver.
Maximises savings for users who refuel regularly at HPCL outlets.
Among the strongest fuel-specific reward rates in its fee range.
Fuel-Focused Co-branded Card
Co-branded with HPCL and optimised for fuel, LPG and HP Pay app transactions.
Best suited for drivers and commuters who prefer HPCL petrol pumps.
More focused on HPCL benefits than generic lifestyle cards.
Rewards Structure of BOB HPCL Energie RuPay Credit Card
Fuel & HPCL Outlets
acceleratedFuel and LPG spends at HPCL pumps and payments via HP Pay app (excluding wallet load), up to program capping.
Fuel transactions also enjoy a 1% fuel surcharge waiver on eligible HPCL spends between ₹400–₹5,000 per transaction.
Utilities & Departmental Stores
acceleratedElectricity, water, telecom billers and departmental stores as per eligible MCCs.
Ideal for monthly household bills and grocery runs at major departmental chains.
Other Retail Spends
baseAll eligible retail spends not covered under fuel or accelerated categories, including RuPay UPI spends.
No reward points on select MCCs like wallet loads, rent, government payments and education as per program exclusions.
Lounge & Travel Related Spends
baseTravel bookings and general travel category spends.
Card focuses more on fuel and daily spends; travel rewards are secondary.
Milestones of BOB HPCL Energie RuPay Credit Card
Annual Fee Waiver Milestone
₹50,000 in a card anniversary year : Renewal fee of ₹499 plus taxes waived for the next year.
Quarterly Lounge Access Milestone
₹20,000 in the previous quarter : 1 complimentary domestic airport lounge access in the following quarter (up to 4 visits per year).
Fees & Charges of BOB HPCL Energie RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹499 plus taxes is waived on ₹50,000 annual retail spends in a card anniversary year.
Fee Explanation Standard BOBCARD schedule of charges applies, including slab-based late payment fees, 2.5% cash advance fee (min ₹300), and 2.5% overlimit charges (min ₹600).
Detailed Explanation of BOB HPCL Energie RuPay Credit Card Fees
Joining Fee: ₹499 + GST (one-time)
Payable in the first year; compensated by welcome bonus reward points.
Annual/Renewal Fee: ₹499 + GST (yearly)
Renewal fee waived on annual retail spends of ₹50,000 in the card anniversary year.
Cash Advance Fee: 2.5% (min ₹300) (per transaction)
Applicable on ATM cash withdrawals and cash-like transactions until fully repaid.
Forex Markup: 3.5% (per transaction)
Charged on international transactions made in foreign currency.
Late Payment Fee: ₹0–₹1,300 (per statement cycle)
Slab-based fee depending on total outstanding; no fee when outstanding is below ₹100.
Overlimit Fee: 2.5% (min ₹600) (per statement cycle)
Charged when outstanding exceeds the sanctioned credit limit.
Returned Payment / Cheque Bounce: 2% (min ₹500) (per instance)
Applied on failed cheque, auto-debit or standing instruction payments.
Lounge Access Benefits with BOB HPCL Energie RuPay Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
1 complimentary visit per quarter on achieving ₹20,000 spends in the previous quarter; access only at participating lounges in India.
Insurance Coverage with BOB HPCL Energie RuPay Credit Card
Personal Accident Insurance
₹2,00,000Complimentary personal accident death cover for the primary cardholder, subject to active card status and usage as per issuer terms.
Fraud Liability Cover
As per BOBCARD policyZero liability on fraudulent transactions after timely reporting of loss or theft of the card to BOBCARD customer care.
Additional Features of BOB HPCL Energie RuPay Credit Card
Smart EMI
Convert large purchases into Smart EMIs with flexible tenures, typically from 6 to 48 months.
Available on eligible retail transactions above the minimum threshold as defined by BOBCARD.
Add-on Cards
Up to 3 lifetime-free add-on credit cards for family members.
Add-on cardholders must be at least 18 years old and Indian residents.
RuPay UPI Linking
Link the RuPay credit card on UPI apps like Google Pay, PhonePe, Paytm and Amazon Pay for everyday payments.
Base reward points apply on eligible UPI transactions; some MCCs and categories do not earn rewards.
Zero Liability on Lost Card
No liability on fraudulent transactions post-reporting of loss.
Cardholder must promptly report card loss or theft to BOBCARD helpline or via official channels.
Welcome Bonus with BOB HPCL Energie RuPay Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Earn 500 bonus reward points on spending ₹5,000 within 60 days of card issuance.
Application Process for BOB HPCL Energie RuPay Credit Card
Processing Time
Card is typically approved and dispatched within 7–10 working days after successful verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official BOBCARD HPCL Energie credit card page or the Bank of Baroda credit card portal.
Click on Apply Now and fill in personal, contact and employment details accurately.
Upload KYC documents including PAN, Aadhaar or other address proof and relevant income documents.
Complete Aadhaar-based e-sign and video KYC as guided on the BOBCARD platform.
Wait for credit assessment and approval; once approved, the card is printed and dispatched to your address.
Activate the card via BOBCARD app, net banking, IVR or ATM and set your card PIN.
Required Documents for BOB HPCL Energie RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
BOB HPCL Energie RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance at HPCL petrol pumps and most RuPay-enabled POS and online merchants across India.
International Acceptance
Limited international acceptance at select partner networks where RuPay is supported; best suited primarily for domestic use.
Online Acceptance
Supports online payments on Indian e-commerce and biller sites that accept RuPay cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB HPCL Energie RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Stable income proof, clean credit history and valid PAN and Aadhaar are required as per BOBCARD eligibility guidelines.
How Approval Is Decided
- Indian resident with age within the 21–65 years band for the primary cardholder.
- Minimum annual income of approximately ₹3.6 lakh for salaried applicants and ₹4.8 lakh for self-employed applicants, or lower thresholds for existing eligible Bank of Baroda customers.
- Good credit profile with a recommended CIBIL score of 700 or above and no major recent defaults.
- Successful completion of KYC verification and internal BOBCARD risk checks.
Pros of BOB HPCL Energie RuPay Credit Card
- Excellent value-back on HPCL fuel, LPG and HP Pay spends for regular drivers.
- Accelerated reward points on utilities and departmental stores support household bill payments.
- Low joining and annual fee with an achievable spend-based waiver.
- Complimentary domestic lounge access enhances travel comfort.
- RuPay UPI support makes it easy to earn rewards on day-to-day QR and online payments.
Cons of BOB HPCL Energie RuPay Credit Card
- High fuel rewards restricted to HPCL outlets; fuel spends at other brands earn only base rewards.
- Reward rate on non-fuel and non-accelerated categories is relatively low.
- Fuel surcharge waiver capped at ₹100 per statement cycle, which may be limiting for very high fuel users.
- Foreign currency markup of 3.5% makes it less attractive for frequent international travellers.
Frequently Asked Questions about BOB HPCL Energie RuPay Credit Card
What is the joining and annual fee for the BOB HPCL Energie RuPay Credit Card?
The card charges a joining fee of ₹499 plus taxes in the first year and an annual fee of ₹499 plus taxes from the second year, which can be waived on annual spends of ₹50,000.
How much can I save on fuel with the BOB HPCL Energie RuPay Credit Card?
On eligible HPCL fuel and LPG spends, you can earn 24 Reward Points per ₹150 (around 4% value-back), up to an additional 1.5% via HP Pay app and a 1% fuel surcharge waiver, giving overall savings of up to about 6.5% on fuel.
Does the BOB HPCL Energie RuPay Credit Card offer airport lounge access?
Yes, you get up to 4 complimentary domestic airport lounge visits per year, with 1 visit per quarter, usually subject to a minimum quarterly spend of ₹20,000.
Can I use this RuPay credit card on UPI apps such as Google Pay and PhonePe?
Yes, the RuPay variant of the card can be linked to supported UPI apps like Google Pay, PhonePe, Paytm and Amazon Pay, and eligible UPI transactions earn base reward points.
What are the main eligibility criteria for this credit card?
You should be an Indian resident aged between 21 and 65 years, with a minimum annual income of around ₹3.6 lakh for salaried or ₹4.8 lakh for self-employed applicants, and preferably a credit score of 700 or higher.
Is there any insurance cover provided with the BOB HPCL Energie RuPay Credit Card?
Yes, the card typically includes complimentary personal accident insurance for the primary cardholder along with zero liability protection for frauds reported after the card is blocked.
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