HPCL ENERGIE BOBCARD Credit Card: Apply Now

Summary

Offered by BOB Financial in association with Hindustan Petroleum Corporation Limited (HPCL), the HPCL ENERGIE BOBCARD Credit Card is meant especially for those who routinely make fuel purchases. Regular purchases, including groceries, utilities, and dining at HPCL fuel stations, not only result in major savings but also benefit consumers.

First of all, it is perfect for regular drivers and daily commuters since the card offers up to 6.67% fuel savings when used through the HP Pay app. Further monthly savings arise from a 1% fuel surcharge waiver on purchases between ₹400 and ₹5,000.

In non-fuel categories as well, the card earns reward points—10 points per ₹150 on groceries and bill payments, and 2 points per ₹150 on other purchases. Every swipe adds even more value since the BOB Rewards system allows one to redeem even free fuel or other intriguing gifts from these points.

Introduction

In the hectic environment of today, having a credit card that meets daily needs and saves money is rather helpful. If you visit petrol stations regularly and want to save money on fuel, the HPCL ENERGIE BOBCARD Credit Card could be a smart choice for you. Presenting this credit card is BOB Financial, working with Hindustan Petroleum Corporation Limited (HPCL). It is especially meant for those who wish to enjoy additional lifestyle benefits in addition to normal fuel consumption.

Let us now understand what makes this card unique. First of all, it allows you to save every time you fill up your car at an HPCL gas station. Over time, this could become a rather significant savings. It also offers fascinating reward points on dining, groceries, utilities, and other areas. You save not only on diesel or gasoline but also on your daily expenses.

Moreover, applying for this card is simple and can be done virtually without any problems. With a few basic paperwork and eligibility checks, you can be approved for this credit card and begin to use its benefits. Among its several features are a robust reward system, cashback offers, and a waiver of fuel surcharges. These benefits seek to maximize value for every rupee you spend.

Moreover, driven by Rupay or VISA, the card is usually accepted in person and online. It will let you manage bookings, bill payments, shopping, and other transactions. It also has a contactless feature, allowing you to tap and pay; thus, your transaction is quick and safe.

What is the HPCL ENERGIE BOBCARD Credit Card?

Launched by BOB Financial in joint agreement with HPCL (Hindustan Petroleum Corporation Limited), the HPCL ENERGIE BOBCARD Credit Card is a unique kind of credit card. This card is mostly meant for regular fuel consumers. Stated differently, this card will help you save money each time you fill petrol or diesel at HPCL fuel stations.

Moreover, it goes beyond only the advantages related to fuel. Reward points on other spending areas, including groceries, dining, utilities, and online shopping, are also provided by the card. You can thus savor savings on daily purchases as well as on gasoline.

How is the design of the HPCL ENERGIE BOBCARD Credit Card?

The HPCL ENERGIE BOBCARD Credit Card combines utility with flair. First, looking modern and professional, the card catches the confident cooperation between BOB Financial and HPCL with a neat layout. Usually, blue and silver colours define its premium feel.

Moreover, the card boldly shows the HPCL and BOB Financial logos, which let customers immediately understand its fuel-oriented advantages. It also displays a contactless payment symbol; thus, quick and safer transactions can be made just by tapping the card on a machine.

What are the benefits of the HPCL ENERGIE BOBCARD Credit Card?

These are some of the main benefits made clear in simple language:

1. Fuel economy at HPCL

• Among the main advantages of this card are the reward points you get every time you refill at HPCL petrol stations.

• Spending ₹150 on HPCL fuel, the HP Pay App lets you accumulate up to 24 reward points.

2. Waiver of surcharge on Fuel

• Making purchases between ₹400 and ₹5,000 entitles you to a 1% fuel surcharge waiver by using this card at HPCL fuel stations.

• This benefit is valid up to ₹100 per month; thus, every time you refill, you generate additional savings.

3. Reward Points for Various Kinds of Spending

Apart from fuel, regular spending generates reward points:

• Ten reward points for groceries, utilities, and departmental stores for ₹150.

• Two reward points for every other category for every ₹150.

• This makes the card worth both for petrol and daily expenses.

4. Payment Without Invoice Contact

• Faster and safer transactions at stores and petrol pumps come from the HPCL ENERGIE BOBCARD supporting contactless tap & pay.

• Small purchases do not call for you to turn over your card or enter your PIN.

5. Easy Redemption for Reward Points

• Through BOB’s rewards portal, the earned reward points can be redeemed for vouchers and gifts or for free fuel at HPCL outlets.

• This means that your expenses start to represent actual savings over time.

6. Thank you discounts.

From the start, the card appeals even more if you register and pay the joining fee, since you could receive bonus points or welcome gifts.

7. Waiver of Annual Fee

• Spending a specific amount within a given year will help you to waive the low annual fee on the card.

• This lets you take advantage without paying annual extra costs.

What are the fees for the HPCL ENERGIE BOBCARD Credit Card?

Here is a simple breakdown of the  HPCL ENERGIE BOBCARD Credit Card fee.

Joining Fee	₹499 + GST
Annual Fee	₹499 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.49% per month (41.88 % annually) is applied to 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 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HPCL ENERGIE BOBCARD Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an HPCL ENERGIE BOBCARD Credit Card?

The documents that you will have to submit to get the HPCL ENERGIE BOBCARD Credit Card are as follows:

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 employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HPCL ENERGIE BOBCARD Credit Card be used?

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

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

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• 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 and 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 ENERGIE BOBCARD Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The HPCL ENERGIE BOBCARD Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HPCL ENERGIE BOBCARD Credit Card?

The credit amount you can spend is what you are provided with when you have an HPCL ENERGIE BOBCARD 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 only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to 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 the HPCL ENERGIE BOBCARD 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 Bank of Baroda; for instance, you can choose the HPCL ENERGIE BOBCARD Credit Card.

• Simply hover your cursor over the HPCL ENERGIE BOBCARD Credit Card and select ‘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 you submit 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 ENERGIE BOBCARD Credit Card.

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

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

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

• 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 ENERGIE BOBCARD Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the Bank of Baroda Card website, mobile app, or 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 ENERGIE BOBCARD Credit Card in 2025 be the right choice?

Obtaining the HPCL ENERGIE BOBCARD Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

Bank of Baroda is also a strong bank with high customer service, making it a dependable choice. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

All things considered, the HPCL ENERGIE BOBCARD Credit Card is a well-crafted credit card with many benefits, especially for those who routinely spend on fuel. Whether your vehicle is a two-wheeler, a car, or even a commercial vehicle, this card saves a fair amount on your fuel expenses. Not only that, but since your daily spending on groceries, utilities, and shopping pays you, it’s a smart choice for consistent use.

Moreover, enhancing your whole experience and your convenience are the card’s features of contactless payments, fuel surcharge waiver, and simple reward redemption system. Since the card is available on well-known networks like RuPay and Visa, you can practically use it almost anywhere, both online and offline, without considering acceptance issues.

The low annual fee on this card and the option to waive it depending on annual expenditure also make it rather reasonably affordable. It’s ideal for people who want to maximise their fuel and lifestyle expenditure and yet get benefits.

Frequently Asked Questions (FAQ’s)