HPCL Bank of Baroda Energie Credit Card Review

HPCL Bank of Baroda ENERGIE Credit Card gives plentiful rewards and not only makes fuel purchases easier on your pocket but it is also designed to make your everyday life filled with a full tank of happiness. Get Savings of more than Rs. 12,000 every year with HPCL Bank of Baroda ENERGIE Credit Card

HPCL Bank of Baroda (BoB) Energie Credit Card

Card Type
Best Suited For
Joining Fee
Rs. 499
Annual Fee
Rs. 499

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About Energie Credit Card

HPCL Bank of Baroda Energie Credit Card is a co-branded fuel credit card that offers decent benefits on your fuel transactions. You can save up to 5% on your fuel transactions at HPCL in the form of rewards and fuel surcharge waivers. Besides fuel, you can also save on other categories like traveling, grocery purchases, movie ticket bookings and much more. You can apply for this credit card if you prefer to use the HPCL petrol pump over others. Here is everything you need to know about this credit card.

Card Eligibility

Joining and Annual Fee of Energie Credit Card

Joining Fee: Rs. 499 + GST (18%)

Annual Fee: Rs. 499 + GST (18%)

Fee Waiver

Annual fee waived on spends of Rs. 50000 in previous card anniversary year.


  • Indian Resident
  • Salaried/Self-employed with an income >=Rs. 3.6 L for Salaried and >= Rs. 4.8 L for Self-employed segment.
  • Age: 21 to 65 years (Primary Cardholder). Above 18 years (Add-on Cardholder)


Base rewards 2RP (Rs. 0.5) on every Rs. 150 ( 0.33% return)

If paid via direct QR code scan option>direct credit card payment, an additional 1% cashback as happy coins in the HPPay App (for both fuel & LPG). But there is no accelerated reward or surcharge waiver if the HPPay wallet is loaded with it, and paid for fuel or via UPI QR scan for a Rupay credit card. So in this way, the total return is 5%.

Accelerated Rewards

For Fuel from HPCL: Accelerated Rewards Fuel & LPG purchased from HPCL pump & LPG store via direct card swipe/tap + 1% fuel surcharge waiver for purchase between 400-5000  (but below 1000, flat surcharge 10+gst is charged whereas reversal will be 1% so you get less in return). So approx. return 4%. For direct swipe, there is no binding of bank-specific POS machines, all machines work in the HPCL pump & LPG store.

For Groceries, 10RP(= Rs. 2.5) for every Rs. 150 of groceries spend, so approx. return 1.66%.

Welcome Benefits

2000 Joining Rewards(= Rs. 500 statement credit) on spends of Rs. 5000 or more within 60 days of card issuance.

Milestone Bonus Earning


Reward Redemption

Reward Redemption: Direct statement credit 1RP = 0.25p. No redemption fee, but a minimum of 500 RP to be redeemed.

Overall Reward Rate

Base reward 0.33%, for fuel from HPCL 4-5%, for groceries 1.66%. But accelerated fuel & groceries 1000 RP capping per month in each category. So it is optimum if you are spending Rs. 6250 in fuel purchases per month. But if you spend more on fuel, up to Rs. 10000 per month, you continue to get a 1% fuel surcharge waiver (max cap Rs. 100/Month) but no accelerated reward rate. So no loss no gain here.

Other Benefits

Lounge Benefits - Airport/Railway

One domestic airport lounge per quarter.

Golf Benefits

Not available with this credit card

Movie Benefits

25% off up to Rs. 100 for movie tickets via Paytm once per month.

Any Other Benefits

Rupay UPI on credit card available.


  • Good reward rate in fuel.
  • Low annual fee with easy annual fee waiver criteria.
  • Good joining bonus.
  • Lounge access without any spend condition.
  • Movie benefits.
  • Accelerated benefits in grocery.
  • All BOB card website discount offers work.


  • Low capping of accelerated rewards of Rs. 6250 per month.
  • UPI spend gives basic rewards and is not considered for annual spend criteria.
  • Their software is sometimes unreliable, so automated accelerated rewards do not get credited automatically sometimes. In those situations, you need to mail customer care, but they credit those missing points every time.
  • Slow revert-back time for customer resolution and almost non-existent over-call customer support, you need to mail every time, but though slow they solve the issues.

Credofly Verdict

If you can be just a little vigilant in doing transactions and monitoring the missing reward point issues, this is a great card for fuel spend up to Rs. 6250 per month with decent lounge/movie/grocery benefits with low annual fees and easy waiver criteria.

How To Apply

Apply directly on the Bank of Baroda website. Click here to apply.

HPCL Bank of Baroda Energie Credit Card

FAQs - Frequently Asked Questions

What is a fuel credit card?

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