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Bank of Baroda · RuPay

BOBCARD HPCL ENERGIE Credit Card

4% (24 RP/₹150) on HPCL fuel + 1.5% Payback via HP Pay

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SegmentEntry
Joining fee₹499 + GST
Annual fee₹499 + GST
Reward typeReward Points

Reward categories

Fuel at HPCL outlets24 RP per ₹150 (~4%)

Cap: Max 1,000 RP/statement (~₹6,250 fuel)

HP Pay App spends (additional)1.5% Payback Points

Effective ~6.5% combined fuel savings via HP Pay

Grocery, Departmental Stores, Utility10 RP per ₹150 (~1.7%)

Cap: Max 1,000 RP/statement

District App movie tickets25% instant discount

Cap: Up to ₹100 off per booking · twice per month per card

Minimum 2 movie tickets per transaction on District by Zomato. Valid any day of the week. Annual cap ~₹2,400.

All other spends4 RP per ₹150 (~0.7%)
UPICore RP only

UPI doesn't qualify for joining rewards or fee waiver

Welcome & milestones

Welcome

  • 500 reward pointsSpend ₹5,000+ within 60 days of card issuance

Milestones

  • ₹50,000 in preceding yearAnnual fee waiver

Lounge rules

Domestic: 4 complimentary lounge visits per year (1 per quarter) — requires ₹20,000 spend in preceding calendar quarter (effective Jan 1, 2025; primary cardholder only)

₹2 authorization fee at lounge entry. Primary cardholder only. Unutilized lounge access lapses at end of quarter (no carry-forward). UPI transactions DO count toward the ₹20,000 quarterly spend (unlike for reward points).

Exclusions

Cash advanceWallet

Recent changes

  1. Lounge access now requires ₹20,000 quarterly spend (previously unlinked or lower threshold) — per official BOBCARD Lounge Program PDF.
  2. Data verification: lounge T&C reconfirmed against BOBCARD official page + Lounge Program PDF + Paisabazaar + EaseMoney + CardInsider + BankBazaar + Parash + MyRupaya + OurMoneyGuide.

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