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HPCL Bank of Baroda ENERGIE Credit Card
A RuPay fuel card from BoB Financial (Bank of Baroda's card arm) built specifically for HPCL pump spending. Combines fuel reward points with HP Pay app points and a surcharge waiver for a fairly strong combined fuel return, plus a modest quarterly lounge perk for keeping other spending active.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 4 complimentary domestic lounge visits per year (1 per quarter) on ₹20,000 quarterly spend
Benefits by category
- ✈️ Travel
1 complimentary domestic airport lounge visit per quarter on spending ₹20,000 in the previous quarter.
- ⛽ Fuel
6.5% reward rate (capped ₹4,000/monthly) · 1% fuel surcharge waiver at HPCL outlets on transactions between ₹400 and ₹5,000.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle, in addition to the card's HPCL fuel cashback
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- 2,000 bonus reward points (worth ~₹500) on the first transaction.
- 1% fuel surcharge waiver at HPCL outlets on transactions between ₹400 and ₹5,000.
- 1 complimentary domestic airport lounge visit per quarter on spending ₹20,000 in the previous quarter.
- Up to 6.5% value-back at HPCL pumps via 4% reward points, 1.5% HP Pay points, and 1% surcharge waiver.
Pros
- + Strong combined value-back (up to 6.5%) on HPCL fuel purchases
- + Low, flat joining/annual fee with a spend-based waiver
- + Quarterly domestic lounge access is unusual at this fee tier
- + RuPay network works with UPI linking
Cons
- − Fuel rewards are capped monthly and specific to HPCL outlets
- − Reward value outside fuel/HP Pay spending is unremarkable
- − RuPay-only limits use on some online/international checkouts