Bank Of Baroda HPCL Energie Credit Card Review

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Bank Of Baroda has today launched HPCL Energie Credit Card in collaboration with Hindustan Petroleum. This card is offered on RuPay platform by the issuer and with that comes the additional benefits of the RuPay platforms like lounge access and other online promotional offers. Here are all the details about this card.

Charges and Welcome Benefits

Joining Fee₹499+GST
Joining Benefits2000 Reward Points on ₹5000 spent in 60 days
Renewal Fee₹499+GST
Renewal Benefits None
Annual Fee WaiverSpend ₹50,000 on your card in a year for an annual fee waiver.

The joining fee on this card is well compensated with an equal value reward points though there are no renewal benefits given if you pay the fees for the next year. I don’t think that should be a reason to worry before taking this card since the annual spending required to make it free year by year is very less and can be achieved by spending on fuel alone. You can apply for this card using 100% digital application process from the link below as a token of support to TechnoFino.

Reward Points Accrual

Spends AreaReward RateCapping
HPCL Spends (Fuel, LPG Purchases)24 Reward Points/ ₹150†1000 Reward Points*
Grocery, Departmental Spends & Utility Bills10 Reward Points/ ₹1501000 Reward Points*
All Retail Spends2 Reward Points/ ₹150None
  • † This card also rewards you additional 6 Payback Points on loading HP Pay Wallet using this card which jacks the reward rate by 1.5% additionally. HP Pay charges a 1% surcharge on wallet loads which will be reversed.
  • *After crossing the threshold all spending in the accelerated category will yield rewards at the normal reward rate of 2 Reward Points/ ₹150.
  • You are also eligible for a fuel surcharge waiver of ₹100/month but since I don’t consider it as a reward hence excluding it.

Reward Points Redemption

Spends AreaReward RateReward Eligible Spends Limit
HPCL Spends (Fuel, LPG Purchases)4%₹6250
Grocery, Departmental Spends & Utility Bills1.66%₹15,000
All Retail Spends0.33%None
  • 1 Reward Point = ₹0.25p
  • Reward redemption charges are absolutely zero.

The card is great only for fuel spending at HPCL Pumps. The reward rate in other categories is very poor. The USP is that reward points can simply be redeemed as a statement credit for 25p per point that too without any redemption charges which is a great feature as most of the banks are nowadays charging for direct cash redemptions.

TechnoFino Maximum

Maximizing rewards on this simple card is a no-brainer since all you have to do is use it only for fuel spends at HPCL pumps up to a maximum of ₹6250 per month and yield the maximum benefits. You can also enroll in the loyalty program of HPCL called HP Pay and yield another 1.5% benefit. For more information on this, you can go through the Fuel Loyalty Programs in India blogpost.

I would also recommend you to book LPG cylinders using HP Pay if you are a user of HP or else you can also check for ongoing offers on LPG booking on Amazon where BOB is regularly running 5% off offers. You can also avail the unbeatable offer of 10% off on utility bills on BOB cards which is available on Amazon. And if your discom allows partial payments then using you can pay the whole bill at 10% off using multiple Amazon accounts with your add-on cards.

Lounge Access

  • 1 Complimentary Visit/Quarter at partner domestic lounges only for the primary cardholder.
PayTM Movies

This card offers you 25% off up to ₹100 on the purchase of a minimum of 2 tickets per transaction on PayTM. This benefit can be availed twice a month. This offer is good but not that great. Good only because PayTM won’t give you those quota exhaust errors while booking like BookMyShow and not that great because of the reward rate which is generally 50% off on most of the cards.

Fuel Surcharge Waiver
  • 1% fuel surcharge waiver maximum ₹100 per statement cycle on all HPCL fuel purchases including the spending done at the HP Pay application.
Forex Markup

Standard forex charges of 3.5% + GST applicable.

  • Indian resident
  • Age 21 to 65 years
  • Monthly Income 30,000

Generally, they are not very strict with these criteria.

Customer Care Details

For feedback/suggestions/complaints/requests the customer can contact BOB Financial @ 1800-103-1006 / 1800-225-100 or write at from your resgistered mail-id.

TechnoFino Recommends

I am highly recommending this card to all the users who are using ICICI HPCL Supersaver, Uni Carbon or even the Standard Chartered Super Value Titanium as the reward rate is equivalent or even greater but without any absurd conditions and better capping.

Bank Of Baroda though needs to work on their customer care services if they really want to attract better customers towards their products. My experience with their customer service has neither been bad nor been good. Every time I have complained they have resolved my query to satisfaction but the turnaround time has been huge most of the time.

Plus even though it is a lending arm of a PSU Bank but is phenomenally aggressive when it comes to tie-ups with merchants. Whether it’s the 20% cashback on CRED club, 12-15% on flights/hotels via EaseMyTrip,, or even 5-10% cashback on bill payments/LPG Bookings via Amazon Pay. BOB is running a 5% cashback offer on utility bill payments for the last 2 years continuously on Amazon through which we can even book a gas cylinder at 5% off!!

So everyone should have a BOB in their wallet. I have already reviewed BOB Select and BOB Premier earlier. You can also apply for any variant of your choice using the below link.

Are you planning to apply for this BOB Credit Card? Share your thoughts below!

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    • Don’t take these card. Rewards doesn’t get credited. I am using for last four months. Rewards are not getting credited. Customer care service is worse

  1. Have applied for bob hpcl credit card, video kyc also done. How to track status of the application. How many days will it take to get the cc

  2. Is there anyone who is using this credit card on HP Pay? I recently got the card but when I load on HP Pay it neither gives accelerated reward points nor 6 payback points. I am only getting 2 reward points per Rs 150 on HP Pay wallet load and 4 payback points per Rs. 100. Is there something that I am missing out?

    • Edit – Has anyone tried using this credit card on HP Pay? When I load on HP Pay it neither gives accelerated reward points nor 6 payback points. I am only getting 2 reward points per Rs 150 on HP Pay wallet load and 4 payback points per Rs. 100.
      Secondly, after choosing card to pay post scanning HP Pay QR code doesnt give any accelerated reward points.
      Thirdly, even direct swipe on HPCL petrol pumps isnt giving any accelerated reward points.

      Is there something that I am missing out? I am hoping thats the case, else this card is completely useless

    • True. same has happened with me. And now they blocked me for further payment on HP PAY aap. I am not able to make any transactions using this card with QR CODE SCAN facility/mode. No reward points in my last statement. Big blunndrr from BOB and HPCL. Bob Customer care support is on next planet.

  3. Remember 3 things before going to apply for this card or using thus card at HPCL fuel station:

    1. The 5 % reward rate will be applicable only if you make transaction using SCAN QR CODE option in HP Pay and then proceed to pay using Credit card.
    2. 5 % reward rates will not be applicable if you load HP Pay wallet and then pay either using SCAN QR Code or PAYCODE options.
    3. Payback reward points will be given on loading the HP Pay wallet. NO 5 % reward rate on loading wallet.
    4. 5 % rewards will not be given if you swipe BOB ENERGIE card at POS Machine at any HPCL Pump. Odd to other cards.


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