HPCL BoB ENERGIE Credit Card: Benefits & Apply

Summary

The HPCL BoB ENERGIE Credit Card is perfect for individuals who consistently fill up at HPCL petrol pumps. Formulated to yield the maximum saving on fuel charges, this card offers a 4% fuel surcharge rebate and 24 reward points per ₹150 at HPCL fuel transactions and hence is an extremely rewarding credit card for travelers.

For all the other transactions, customers earn 2 reward points for each ₹150 spent, so every purchase is worth saving. First-card customers can also receive a cashback of ₹100 on their initial HPCL fuel purchase, which gives an instant value. The card has milestone rewards also, where customers can earn as much as 2,000 bonus reward points by achieving specific spending milestones.

Security and convenience are the key features of this card, with contactless payment features that allow users to pay securely and instantly. The feature to convert high-value transactions into handy EMIs is also an additional benefit that makes it a handy option for expense management without adding any financial burden.

Introduction

The BoB HPCL energy credit card is a card specially designed for those who regularly purchase petrol or diesel. With the HPCL Bank of Baroda ENERGIE credit card, you can get many benefits on filling petrol or diesel at Hindustan Petroleum Corporation Limited (HPCL) fuel stations.

The more fuel you use, the more reward points you can accumulate. These reward points can be later used as cashback or other benefits. There is no additional charge for transactions at HPCL fuel stations, which gives you further savings. Many great lifestyle, entertainment,t, and shopping offers are also available with the HPCL Bank of Baroda ENERGIE credit card.  

HPCL Bank of Baroda ENERGIE Credit Card is very beneficial for those who use the vehicle regularly and want to save on fuel expenses. Apart from this, you also get the benefit of strong banking services offered by Bank of Baroda, which also makes your everyday expenses easier.

In today’s article, we will discuss in detail about Bank of Baroda HPCL Energie credit card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of the Bank of Baroda HPCL Energie credit card and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.

What is the HPCL Bank of Baroda ENERGIE Credit Card?

Credit Card is a unique credit card issued by Hindustan Petroleum Corporation Limited (HPCL) and Bank of Baroda. The HPCL Bank of Baroda ENERGIE Credit Card is suitable for those customers who travel extensively and use a lot of fuel (petrol or diesel).

Apart from this, the HPCL Bank of Baroda ENERGIE Credit Card also offers additional rewards on other spends like shopping, entertainment, and dining. The HPCL Bank of Baroda ENERGIE Credit Card not only economizes you in terms of fuel expenses but also offers a lot of other facilities in your regular life, so it makes it easier to manage your expenses.

What is the design of the HPCL Bank of Baroda ENERGIE Credit Card?

The HPCL BoB ENERGIE Credit Card is created in a sophisticated and modern style that mirrors its fuel and lifestyle rewards. The card features a shiny background with vibrant colors, and the HPCL and Bank of Baroda logos are highly visible.

The design of the card highlights its connection to fuel rewards, and therefore its appearance will appeal to frequent travelers and fuel buyers. With its high-end look, it is perfect for individuals who want luxury as well as practicality in their wallets.

What are the benefits of the HPCL Bank of Baroda ENERGIE Credit Card?

The following are the major benefits of actual reward points:

• Fuel Savings – Avail a 4% fuel surcharge waiver at HPCL petrol stations.

• High Reward Points – Avail 24 reward points for every ₹150 spent on HPCL fuel transactions.

• Dining & Groceries – Avail 10 reward points for every ₹150 spent on dining and grocery transactions.

• Regular Spending Rewards – Get 2 reward points for ₹150 on other spends.

• Welcome Reward – Avail ₹100 cashback on the initial HPCL fuel transaction.

• Milestone Rewards – 2,000 reward points bonus for reaching spending milestones.

• Tap & Pay – Tap to pay for convenient and secure payments.

• EMI Option – Take relaxed EMIs for large deals.

What are the HPCL Bank of Baroda ENERGIE Credit Card fees?

Here is a simple HPCL BoB ENERGIE Credit Card fee breakup.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 = GST per year. This will be waived if you spend ₹50,000 or more in 90 days.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HPCL Bank of Baroda ENERGIE Credit Card?

The following are the primary requirements:

1. To apply for the HPCL BoB ENERGIE Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HPCL Bank of Baroda ENERGIE Credit Card?

The documents that you will have to submit to Get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HPCL Bank of Baroda ENERGIE Credit Card be used?

Here is the list of places where you can use it:

• With the HPCL BoB ENERGIE Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your HPCL Bank of Baroda ENERGIE Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The HPCL Bank of Baroda ENERGIE Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HPCL Bank of Baroda ENERGIE Credit Card?

The credit amount you can spend is what you are provided with an HPCL Bank of Baroda ENERGIE Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an HPCL Bank of Baroda ENERGIE Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the HPCL Bank of Baroda ENERGIE Credit Card.

• Just hover your cursor on the HPCL Bank of Baroda ENERGIE Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Bank of Baroda branch to apply for the HPCL Bank of Baroda ENERGIE Credit Card.

• Request for the credit card application form for the HPCL Bank of Baroda ENERGIE Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HPCL Bank of Baroda ENERGIE Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HPCL Bank of Baroda ENERGIE Credit Card in 2025 be right?

Yes, getting aaHPCL Bank of Baroda ENERGIE Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit.

Conclusion

The HPCL BoB ENERGIE Credit Card is an ideal option for people who want to save fuel expenses and refuel petrol or diesel for their vehicles regularly. HPCL Bank of Baroda ENERGIE Credit Card not only provides reward points and cashback on fuel pump transactions but also provides an opportunity to save extra in the form of a fuel surcharge waiver.

The credit card is especially useful for people who use cars in their day-to-day activities and are frustrated at high rates of petrol and diesel. The convenience of transactions at HPCL petrol pumps without any additional charge and the strong banking services of Bank of Baroda make the Bank of Baroda HPCL energy credit card more useful.

Frequently Asked Questions (FAQs)