Bank of Baroda
HPCL Energie RuPay BOBCARD Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
2% Reward Points
Foreign Markup
3.5% on all foreign transactions
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 pts/₹150
grocery
10 Reward Points per ₹150 spent
10 pts/₹150
Specialty
2 Reward Points per ₹150 spent
2 pts/₹150
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
5% savings on HPCL fuel & LPG
HP Pay App
5% savings on HPCL fuel & LPG
Reward Calculator
Earns ₹1,740/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
7.0K
BOBCARD Reward Points
₹1.7K
via standard · ₹0.25/pt
Effective rate
1.12%
Annual fee
FREE
Year 1 net
+₹1,740
Year 2+ net
+₹1,740
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
rent, wallet, emi, cash advance, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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.
- 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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹3.6L+
Self-Emp
₹4.8L+
Networks
Fee Waiver
Get renewal fee waived off on spending ₹50,000 or more in the preceding year.