The HPCL BoB ENERGIE Credit Card is a co-branded fuel credit card from BOBCARD designed primarily for people who regularly refuel at HPCL petrol pumps. With a joining and annual fee of ₹499 + GST, the card offers up to 5% savings on eligible HPCL fuel spends, along with accelerated rewards on utility and departmental store purchases, domestic airport lounge access and movie ticket discounts.
The headline fuel return is attractive for a low-fee card, but there is an important catch after the July 2026 revision. Accelerated fuel rewards and the fuel surcharge waiver are now available only at eligible HPCL outlets appearing in the merchant list shared by HPCL with BOBCARD. Simply using the card at any HPCL-branded petrol pump is no longer enough.
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Follow Card MavenHPCL BOBCARD ENERGIE Credit Card – At a Glance
| Feature | Details |
|---|---|
| Best Suited For | Regular HPCL fuel users with moderate monthly fuel spends |
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Annual Fee Waiver | Spend ₹50,000 in the card anniversary year |
| Welcome Benefit | 500 Reward Points on ₹5000 spends within 60 days |
| HPCL Fuel Rewards | 24 RP per ₹150 spent |
| Effective Fuel Reward Rate | 4% |
| Fuel Surcharge Waiver | 1% on eligible HPCL transactions of ₹400–₹5000 |
| Maximum Fuel Surcharge Waiver | ₹100 per statement |
| Utility & Department Store Rewards | 10 RP per ₹150 |
| Base Rewards | 2 RP per ₹150 |
| Reward Point Value | ₹0.25 per RP |
| Domestic Lounge Access | 1 visit per quarter / 4 per year |
| Lounge Spend Requirement | ₹20,000 in the previous calendar quarter |
| Movie Benefit | 25% off up to ₹100, twice per month |
| Forex Markup | 3.5% of the transaction amount |
HPCL BoB ENERGIE Credit Card Fees
| Joining Fee | ₹499+GST ~₹589 |
| Welcome Benefit | 500 Reward Points on ₹5000 spend within 60 days ~₹125 |
| Annual Fee | ₹499+GST ~₹589 |
| Annual Fee Waiver | On ₹50,000 spend in a membership year |
The HPCL ENERGIE is reasonably priced at ₹499 + GST as both the joining and annual fee. But the welcome benefit is not good enough to offset the joining fee.
The renewal fee is waived when you spend ₹50,000 or more during the card anniversary year. One important condition is that BOBCARD states that UPI transactions do not qualify towards the annual fee waiver on this card. At only ₹50,000 a year, the waiver requirement is achievable for someone using the card for fuel and a few additional purchases.
HPCL ENERGIE Credit Card Reward Rate
| Spend Category | Rewards |
|---|---|
| HP Fuel | 24 RP/₹150 ~4% value |
| Utilities & Department Stores | 10 RP/₹150 ~1.7% value |
| Other Eligible Spends | 2 RP/₹150 ~0.3% value |
| Special MCCs | No Rewards |
The accelerated categories are MCC-dependent. BOBCARD currently identifies utilities under MCC 4812 and 4899 and departmental stores under MCC 5311 for the HPCL ENERGIE accelerated reward feature.
- Both the 24 RP fuel earn rate and 10 RP accelerated earn rate are capped at 1000 Reward Points each per statement cycle. At ₹0.25 per RP, each accelerated bucket can generate a maximum of ₹250 in Reward Point value per statement.
- For fuel, the cap starts becoming relevant at roughly ₹6250 of eligible HPCL spending per statement cycle.
- For utilities and departmental stores, the ₹250 accelerated-reward ceiling corresponds to approximately ₹15,000 of qualifying spending.
- Refer below list to see special MCCs that are not eligible for rewards. It is quite a huge list with some surprising MCCs.
Up to 5% Savings on HPCL Fuel
| Monthly Eligible HPCL Fuel Spend | Fuel RP Value | Potential 1% Surcharge Waiver | Approx. Total Value |
|---|---|---|---|
| ₹3000 | ₹120 | Up to ₹30 | ₹150 |
| ₹5000 | ₹200 | Up to ₹50 | ₹250 |
| ₹6250 | ₹250 | Up to ₹62.50 | ₹312.50 |
| ₹10,000 | ₹250 due to RP cap | Up to ₹100 | ₹350 |
The card therefore delivers its strongest percentage return at fuel spending of roughly ₹6000–₹6500 per statement cycle. Beyond this point, the 1000 RP fuel cap starts reducing the effective percentage return.
Important: Only Selected HPCL Outlets Qualify
Effective 15 July 2026, accelerated fuel rewards and the surcharge waiver are available only at HPCL outlets whose MID/TID appears on the eligible list shared by HPCL with BOBCARD. An HPCL-branded pump may therefore not automatically qualify, so check BOBCARD’s latest eligible-outlet list for your regular fuel station.
For maximum value, use the card directly at an eligible HPCL outlet rather than paying through UPI or loading the HP Pay wallet.
Rewards Redemption
Each reward point is equal to 25 paise and can be redeemed as a statement credit. This is one of the best benefits of this card. There is no restriction that we need to redeem the rewards for fuel or vouchers.
Complimentary Domestic Airport Lounge Access
| Feature | Details |
|---|---|
| Lounge Access | 1 domestic visit per quarter |
| Annual Limit | 4 visits |
| Spend Requirement | ₹20,000 in the previous calendar quarter |
| New Card Benefit | Spend condition waived for the issue quarter |
Key Benefits
- Fuel Surcharge Waiver: 1% fuel surcharge waiver. Maximum ₹100 per statement.
- District Movies Offer: 25% off up to Rs 100 on booking minimum 2 tickets.
HPCL BoB ENERGIE Credit Card Pros and Cons
Pros
- Up to 5% value on eligible HPCL fuel spends
- Low annual fee of ₹499 + GST
- Annual fee waiver at ₹50,000 yearly spends
- 1 domestic lounge visit per quarter
- Movie ticket discount twice a month
- Accelerated rewards on utility and departmental store spends
Cons
- Fuel benefits are limited to eligible HPCL outlets
- Fuel rewards are capped at 1000 RP per statement cycle
- Base reward rate is only around 0.33%
- Lounge access needs ₹20,000 spend in the previous quarter
- UPI spends earn only the base reward rate
- 3.5% forex markup makes it unsuitable for international spends
Final Verdict
The HPCL BoB ENERGIE Credit Card is a good fit for regular HPCL users. The up to 5% value on fuel, low annual fee and easy waiver threshold make it worthwhile for moderate monthly fuel spends. The main drawback is the restriction to eligible HPCL outlets, along with the fuel reward cap.
Frequently Asked Questions
Is the HPCL BoB ENERGIE Credit Card worth it?
Yes. It is a good option if you regularly refuel at eligible HPCL outlets and can make good use of the 4% fuel reward rate.
What is the reward rate on the HPCL BoB ENERGIE Credit Card?
The card earns 24 Reward Points per ₹150 on eligible HPCL fuel spends, equivalent to 4% value back. Regular eligible spends earn 2 Reward Points per ₹150.
What is the annual fee for the HPCL BoB ENERGIE Credit Card?
The joining and annual fee is ₹499 + GST. The annual fee is waived on eligible spends of ₹50,000 in a card anniversary year.
Does the HPCL BoB ENERGIE Credit Card offer a fuel surcharge waiver?
Yes. You get a 1% fuel surcharge waiver on eligible HPCL transactions between ₹400 and ₹5000, capped at ₹100 per statement cycle.
Do all HPCL petrol pumps qualify for accelerated rewards?
No. From 15 July 2026, accelerated fuel rewards and the fuel surcharge waiver apply only at eligible HPCL outlets identified by BOBCARD.
What is the maximum reward on HPCL fuel spends?
Accelerated fuel rewards are capped at 1000 Reward Points per statement cycle, worth ₹250.
Does the HPCL BoB ENERGIE Credit Card offer airport lounge access?
Yes. You get one complimentary domestic airport lounge visit per quarter, subject to ₹20,000 spend in the previous calendar quarter.
Do UPI transactions earn accelerated rewards?
No. RuPay UPI transactions earn only the regular reward rate of 2 Reward Points per ₹150 and do not qualify for accelerated fuel rewards.
HPCL Bank of Baroda ENERGIE Credit Card
I got hpcl card four months ago. I used it on hpcl pump but I got 2 reward points per 150 spend. I called customer care but no reward points given as shown 24 per 150.bad experience so far. I will cancel my card before year end. Bpcl sbi card is better than it.
EXACTLY SAME EXPERIENCE, CUSTOMER CARE SUPPORT IS ZERO, SBI BPCL IS AWESOME.
This is just a bull shit credit card. The accelerated reward points are not going to be credited automatically. You need to call them and raise a ticket. Then after producing proper proof your accelerated reward points will be credited manually. This is the process for each and every time.
When ever I’m using the card it’s declined
I used for fueling my bike i swiped for 1010rs but after 2 days its showing as 1020rs and there is rp point given till now i visited to bob bank there is no response from bank manager and all what the hell is this use less card icici is better than this
Did you get a solution for this?
You have been charged 1% as surcharge, that’s why 1020 on your statement. But you should see 10 rs back in your statement after a few days.
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?
Did you get a solution for this? I am thinking of applying
YES I TRIED AT HP PAY, HP PAY DIRECTLY GIVE ADDITIONAL REWARD IN HP PAY BUT BASE REWARD OF 4% ON CARD OS NOT GIVEN BY BANK.
Utility, Groceries, and Departmental Stores: 10 RP/Rs 150 ~2.5% Return
2.5% RR mentioned is wrong
2.5% return on 150 comes out to be 3.75 rupees
But 10 RP equals to 2.5 rupees which is 1.65% approx return
Thank you Tushar. This is fixed.
Is there any fees for rewards redemption fees for Statement credit ?
Please compare icici hpcl supersaver to get a better idea
waste credit card