HomeCredit CardsHPCL Energie RuPay BOBCARD Credit Card
HPCL Energie RuPay BOBCARD Credit Card

Bank of Baroda

HPCL Energie RuPay BOBCARD Credit Card

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Annual Fee

₹499

Base Reward

2% Reward Points

Foreign Markup

3.5% on all foreign transactions

4.5/5

Welcome Benefits

500 Bonus Reward Points On Spending ₹5,000 or More Within 60 Days of Card Issuance

Product Highlights

  • 500 Bonus Reward Points (Transaction based)
  • 24 Reward Points on every ₹150 spent on fuel purchases at HPCL pumps
  • 10 Reward Points on every ₹150 spent on departmental stores and groceries
  • 2 Reward Points on every ₹150 spent on all other categories
  • Complimentary domestic lounge access
  • 25% discount on movie ticket bookings
  • 1% fuel surcharge waiver on all fuel transactions

Category Rewards

fuel

24 Reward Points per ₹150 spent

24 Reward Points per ₹150 spent

grocery

10 Reward Points per ₹150 spent

10 Reward Points per ₹150 spent

other

2 Reward Points per ₹150 spent

2 Reward Points per ₹150 spent

Fee Waiver

Get renewal fee waived off on spending ₹50,000 or more in the preceding year.

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
HPCL

HPCL

offline(Capped at a maximum of 1,000 Reward Points per statement cycle)

24 Reward Points per ₹150 spent

Rewards Details

Get 24 Reward Points for every ₹150 spent on fuel transactions at all the HPCL fuel stations. 10 Reward Points for every ₹150 spent on groceries and departmental spends. 2 Reward Points for every ₹150 spent on other categories.

Reward Points — Redemption Value
  • 1 RP = ₹0.25 against statement

Benefits & Features

Domestic: 1 Complimentary Domestic Airport Lounge Access Every Quarter (Spends of ₹20,000 in the Previous Quarter) Complimentary domestic lounge access based on spending criteria.

Pros & Cons

Pros

  • High reward points on fuel transactions
  • Discounts on movie tickets
  • Complimentary lounge access
  • Low annual fee

Cons

  • Limited to HPCL fuel stations for maximum rewards
  • Foreign transaction fees apply
  • No international lounge access

Additional Info

Important note regarding fuel transactions and rewards.

Capped at a maximum of 1,000 Reward Points per statement cycle.

Partner Merchants

HPCL

Fees & Charges

Annual Fee₹499
Joining Fee₹499 + GST
Fee WaiverGet renewal fee waived off on spending ₹50,000 or more in the preceding year.
Foreign Markup3.5% on all foreign transactions
Interest Rate3.75% per month
Cash Advance2.5% of the amount or ₹500, whichever is higher.

Eligibility

Min Age

18 yrs

Salaried

₹3.6L+

Self-Emp

₹4.8L+

Networks

rupay