If you are looking for a HPCL fuel credit card, then the HPCL Bank of Baroda ENERGIE credit card is one the options you can explore. It comes at a joining fee of Rs 499 and offers 4% value back on HPCL fuel spends. The HPCL BoB ENERGIE card comes on the RuPay payment network. So you can use it for UPI spends too. Here is a review of the HPCL Bank of Baroda ENERGIE credit card rewards & benefits.
Fees
| Joining Fee | Rs 499+GST ~Rs 589 |
| Welcome Benefit | 500 Reward Points on Rs 5000 spend within 60 days ~Rs 125 |
| Annual Fee | Rs 499+GST ~Rs 589 |
| Annual Fee Waiver | On Rs 50,000 spend in a membership year |
For an entry-level credit card, we expected the welcome benefit to be close to the joining fee. But surprisingly, it is not.
Rewards
| Spend Category | Rewards |
|---|---|
| HP Fuel, LPG and HP Pay App Spends | 24 RP/Rs 150 ~4% value |
| Department Stores | 10 RP/Rs 150 ~1.7% value |
| Special MCCs | No Rewards |
| All other spends | 2 RP/Rs 150 ~0.3% value |
- Rewards on HP spends capped at 1000 RP per statement cycle. Max spends in this category as per this cap are Rs 6250.
- Rewards on utility and departmental spends capped at 1000 RP per statement cycle. Max spends in this category as per this cap are Rs 15,000.
- Refer below list to see special MCCs that are not eligible for rewards. It is quite a huge list with some surprising MCCs.
| MCC Code | MCC Detail | MCC Code | MCC Detail |
|---|---|---|---|
| 0763 | Agriculture | 5814 | Fast food restaurants |
| 0780 | Agriculture | 5960 | Insurance |
| 0820 | Agriculture | 6300 | Insurance |
| 0821 | Agriculture | 6513 | Rent |
| 0822 | Agriculture | 7211 | Emerging |
| 0823 | Agriculture | 7230 | Emerging |
| 0824 | Agriculture | 7276 | Emerging |
| 0825 | Agriculture | 7349 | Rent |
| 1520 | Contractor | 8011 | Government |
| 1711 | Contractor | 8062 | Government |
| 1731 | Contractor | 8111 | Emerging |
| 1740 | Contractor | 8211 | Education |
| 1750 | Contractor | 8220 | Education |
| 1761 | Contractor | 8241 | Education |
| 1771 | Contractor | 8244 | Education |
| 1799 | Contractor | 8249 | Education |
| 4111 | Transportation | 8299 | Education |
| 4112 | Transportation | 8398 | Charity |
| 4131 | Transportation | 8641 | Emerging |
| 4784 | Transportation | 8661 | Charity |
| 4789 | Transportation | 9211 | Government |
| 4814 | Telecom | 9222 | Government |
| 4900 | Utility | 9311 | Government |
| 5261 | Agriculture | 9399 | Government |
| 5331 | Emerging | 9402 | Government |
| 5411 | Supermarket | 9405 | Government |
| 5499 | Convenience store |
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. Statement credit is always better and makes more sense than those options.
Complimentary Airport Lounge Access
- Domestic Airport Lounge Access: 1 visit/quarter with RuPay
- International Airport Lounge Access: Not Available
Key Benefits
- Fuel Surcharge Waiver: 1% fuel surcharge waiver. Max Rs 100 per statement.
- Paytm Movies Offer: 25% off up to Rs 100 on booking minimum 2 tickets on Paytm Movies
Final Thoughts
The HPCL Bank of Baroda ENERGIE Credit Card is one of the better HPCL fuel credit cards. The annual fee waiver spend is set to Rs 50,000 which is easy to achieve. Plus, this spend can be met with only fuel spending which makes this a 4% return credit card.
So, what are the cons of this card? Getting the reward points on HP can be a hit or miss. The reward points are not credited for all HP fuel pumps. So, keep a close check on whether you get reward points for the fuel pumps that you visit.
HPCL Bank of Baroda ENERGIE Credit Card
12 thoughts on “HPCL Bank of Baroda ENERGIE Credit Card Review”
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.
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
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