Bank of Baroda HPCL ENERGIE Credit Card Review
Author And Publisher: Gyro 3.oBank of Baroda HPCL ENERGIE Credit Card
Bank of Baroda HPCL ENERGIE Credit Card Review:
5% Fuel Savings, Welcome Bonus &
Versatile Everyday Rewards
introduction
The HPCL ENERGIE BOBCARD is designed for people who drive often, whether for daily travel, long trips, or family use. It helps you save more on fuel at HPCL petrol pumps and on LPG purchases with about 5% total savings. You also earn good reward points on everyday spending, get movie discounts, and enjoy annual lounge access for travel. Overall, it’s a practical card for anyone who wants to reduce fuel costs and earn rewards on regular expenses, especially at HPCL outlets.
key features and benefits
Welcome Benefits
- 500 Reward Points on spending ₹5,000+ within 60 days of card issuance.
Reward Structure
- Give ignition to your savings with up to 50/0 Savings (24 Reward Points per savings + 1% Fuel surcharge Waiver) for fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App*
- Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every 2150 spent) on utility & departmental stores*. Get 2 Reward Points for every 2150 spent on other categories.
Milestone Benefit
Renewal fee waiver: Annual fee reversed on spends of ₹50,000+ in each card year.
Airport Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter) for primary cardholder at partner airports.
Movie Benefits
25% discount (up to ₹100 off) on purchase of minimum 2 movie tickets per transaction.
eMI Benefits
- convert Purchases of minimum 2500 into smart emi with HPCL ENERGIE BOBCARD.
Fuel Surcharge waiver
- 1% Fuel Surcharge waiver on all HPCL fuel transactions between ₹400 - ₹5000 including fuel purchases made through HP pay App.
Card Essential
Rewards and Benefits Analysis
Best for: Daily drivers, regular HPCL fuel users, families with high local transportation spends, bill payers, utility shoppers.
Value Example (Annual ₹60K HPCL Spend):
₹60,000 at HPCL: 9,600 RP = ₹3,840 value + ₹600 fuel surcharge waiver = ₹4,440 savings (approx 6.4%)
Utilities/Departmental: ₹25,000/year = 1,666 RP = ₹667 value
Movie ticket savings: ₹100 × 6 = ₹600
Lounge access: ₹2,400 value (₹600 per visit × 4)
Total tangible value: ₹8,107/year (if maximizing all benefits and waiving annual fee)
Milestone: Spending ₹50,000/year gets you 100% annual fee waiver.
Practical Considerations
- Fees & Charges:
- Affordable ₹499 fee, easy fee waiver at ₹50K spend; no fuel surcharge up to ₹5,000/transaction; standard interest.
- Eligibility:
- 21-60 years salaried & 24-65 self-employed; Indian resident; requires PAN + proof of address/income.
Redemption Options
- BOBCARD Rewards Portal:
- Points redeemable for fuel, shopping vouchers, merchandise (check latest portal catalogue); best use is for fuel redemptions keeping value high.
- Best Value Strategy:
- Make all HPCL purchases directly (not via wallet loads); always pay in full; break the ₹50,000 spend mark annually for fee-free benefits; maximize lounge, movie, and utility rewards.
Ideal User Profile
Regular HPCL customers (commuters, families, small fleet owners, DELIVERY SERVICES).
High local spenders on fuel, utilities, department stores.
Anyone seeking simple, affordable fee-waiver rewards.
Digital-savvy, CARD value-conscious cardholders.
Final Thoughts
Strengths:
5% real HPCL savings (including surcharge waiver).
₹499 fee easily waived at ₹50K spend.
4 annual free domestic lounge visits.
All-rounder everyday earning; added utility/movie categories.
Limitations:
No accelerated rewards for non-fuel online shopping.
No international privileges.
No golf, premium dining, or luxury perks.
Verdict:
A focused value card: unbeatable for regular HPCL users who pay in full, with practical movie, lounge, and utility sweeteners for everyday Indian life.
Additional Tips for Applicants
Use card directly for HPCL fuel/LPG (avoid wallet loads for full rewards).
Track spend towards ₹50,000 fee waiver annually.
Register for lounge access prior to travel; check up-to-date lounge list.
Pay balance in full every month—don’t let fuel rewards vanish into interest.
CDMS EXPERT ADVICE
Fuel reward cards offer best value if your fuel spends are regular and substantial—but only if you pay your balance in full every month. Use them for HPCL pump transactions and designated shopping categories, and avoid carrying a balance so interest doesn’t erase your hard-earned fuel savings.
This review offers a clear and balanced overview of The Bank of Baroda HPCL ENERGIE Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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