The HPCL BoB ENERGIE Credit Card is a co-branded fuel credit card that offers significant rewards, especially for fuel purchases at HPCL fuel stations. With a nominal joining and renewal fee of ₹499, the card provides substantial value to its users by allowing them to earn up to 24 Reward Points per ₹150 spent on fuel. As a welcome benefit, cardholders also receive 2,000 Reward Points upon issuance, adding further appeal to the card.
In addition to fuel rewards, the card offers other benefits across various categories such as shopping and dining, making it versatile. Cardholders also enjoy fuel surcharge waivers and access to exclusive discounts on lifestyle and dining through partnerships with leading merchants.
The HPCL Bank of Baroda ENERGIE Credit Card competes directly with other fuel-specific cards like the ICICI Bank HPCL Super Saver Credit Card, with both cards offering attractive fuel rewards but differing in other features such as cashback or bonus points on non-fuel spending.
For individuals who frequently refuel at HPCL stations, this card provides an excellent opportunity to maximize savings on fuel while enjoying additional perks. Keep reading to explore a detailed review of the card’s features and benefits.
Overview
| Feature | Details |
|---|---|
| Card Type | Fuel and Cashback Credit Card |
| Reward Rate | Up to 24 reward points per ₹150 spent at HPCL outlets |
| Reward Value | 1 reward point ≈ ₹0.25 |
| Annual Fee | ₹499 + GST (waived on spending ₹50,000 annually) |
| Unique Selling Points | High rewards on fuel purchases, fuel surcharge waiver, easy redemption |
| Rating (out of 5) | 4.5 |
HPCL BoB ENERGIE Credit Card Charges
| Fee Type | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Renewal Fee | ₹499 + GST (waived on spending ₹50,000 annually) |
| Finance Charges | 3.49% per month (41.88% per annum) |
| Late Payment Fee | ₹100 to ₹1,300 based on the outstanding balance |
| Foreign Transaction Fee | 3.5% + GST |
| Rent Payment | 1% fee using third-party apps like CRED, Paytm |
| Education | 1% fee using third-party apps |
| Utilities | No additional charges |
HPCL BoB ENERGIE Credit Card Benefits
This card provides various benefits:
- Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 to ₹5,000 at HPCL fuel stations.
- Interest-Free Credit: Up to 50 days of interest-free credit from the date of purchase.
- EMI Options: Convert big purchases into easy monthly installments.
Rewards
| Spend Category | Reward Rate |
|---|---|
| Fuel Purchases at HPCL | Up to 24 reward points per ₹150 spent |
| Utility Bill Payments | 2 reward points per ₹150 spent |
| All Other Spends | 1 reward point per ₹150 spent |
| Reward Value | 1 point ≈ ₹0.25 |
| Rewards Expire in | 3 years |
Milestone Benefits
| Spending Milestone | Reward Earned |
|---|---|
| Annual Spend of ₹50,000 | Annual fee waiver |
Redemption
Reward points can be redeemed for:
- Fuel: Pay for fuel at HPCL stations using earned points.
- Gift Vouchers: Redeem points for shopping vouchers from leading brands.
- Cashback: Convert points to cashback credited to your card account.
Gift Vouchers Available
| Category | Brands |
|---|---|
| Shopping | Amazon, Flipkart |
| Electronics | Croma |
| Travel | MakeMyTrip, Yatra |
| Dining | Zomato, Swiggy |
| Entertainment | BookMyShow |
Airport Lounge Access
| Access Type | Details |
|---|---|
| Domestic Lounges | Not available |
| International Lounges | Not available |
Forex Markup Fee
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 3.5% + GST on all international transactions |
HPCL BoB ENERGIE Credit Card Eligibility
To apply for the HPCL BoB ENERGIE Credit Card, applicants must meet the following criteria:
- Age: 18 to 65 years
- Income: Stable income required
- Documents Required: Aadhar Card, PAN Card, proof of income (latest bank statements/salary slips, ITR), and residence proof.
HPCL BoB ENERGIE Credit Card Review
The HPCL BoB ENERGIE Credit Card is ideal for frequent fuel buyers, offering high reward points on fuel purchases at HPCL stations. The fuel surcharge waiver and rewards on utility bill payments further enhance its value, making it a cost-effective choice for daily use. The card’s annual fee is reasonable and can be waived upon meeting the spending threshold, making it accessible for budget-conscious users. With easy reward redemption options and additional lifestyle benefits, this card provides excellent value.
Overall Rating: 4.5
- Benefits: 4.7
- Fees: 4.3
- Customer Service: 4.4
Pros and Cons
| Pros | Cons |
|---|---|
| High rewards on fuel purchases. | No airport lounge access. |
| Annual fee waiver on meeting spend criteria. | High foreign transaction fee. |
| Fuel surcharge waiver. | Limited rewards on non-fuel categories. |
Similar Cards to HPCL BoB ENERGIE Credit Card
| Feature | HPCL BoB ENERGIE Credit Card | ICICI HPCL Super Saver Credit Card | Axis Bank Neo Credit Card |
|---|---|---|---|
| Annual Fee | ₹499 + GST | ₹500 + GST | ₹250 + GST |
| Lounge Access | Not available | Not available | Not available |
| Reward Rate | Up to 24 points per ₹150 spent | 5% cashback on HPCL fuel | Up to 5% cashback |
| Reward Value | 1 point ≈ ₹0.25 | Cashback credited as statement credit | Direct cashback credited to account |
| Special Benefits | High rewards on fuel, fuel surcharge waiver | High cashback on HPCL, dining, and groceries | High cashback, fuel surcharge waiver |
Relevant Links
To help our readers navigate our website and find additional relevant content, here are some internal links you might find useful:
For more detailed information about Bank of Baroda credit cards and other financial products, you can visit the official Bank of Baroda website.
FAQ
What is the annual fee for the HPCL BoB ENERGIE Credit Card?
The annual fee is ₹499 + GST, which is waived upon spending ₹50,000 annually.
How can I earn reward points with the HPCL BoB ENERGIE Credit Card?
You can earn up to 24 reward points per ₹150 spent on fuel purchases at HPCL stations.
How can I redeem the reward points earned with the HPCL BoB ENERGIE Credit Card?
Reward points can be redeemed for fuel at HPCL stations, shopping vouchers, or cashback.
Does the HPCL BoB ENERGIE Credit Card offer any fuel benefits?
Yes, the card offers a 1% fuel surcharge waiver on transactions between ₹400 to ₹5,000.
What are the milestone benefits of the HPCL BoB ENERGIE Credit Card?
The card offers an annual fee waiver upon spending ₹50,000 in a year.
Is the HPCL BoB ENERGIE Credit Card worth it for frequent fuel buyers?
Absolutely. With high rewards on fuel purchases, a fuel surcharge waiver, and reasonable fees, this card provides excellent value for those who regularly spend on fuel.
