HPCL Energie BOBCARD
BOBCARD Limited
A fourth HPCL-branded fuel card in the catalog, alongside HDFC, ICICI and Kotak's versions.
₹499
Joining fee
₹499, waived at ₹50k spend
Annual fee
Waived on spends of Rs 50,000 or more per anniversary year.
3.5%
Forex markup
3.9 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–65
Existing BOB customers: min Rs 2.4 lakh annual income. Non-BOB customers: Rs 3.6 lakh (salaried) or Rs 4.8 lakh (self-employed). Add-on age 18+.
Lounge access
4 domestic visits per year
Spend-conditional (specific threshold not stated).
Key features
- Fuel benefits at HPCL stations
- 4 domestic lounge visits/year (spend-conditional)
Reward details
2 points per Rs 150 (base rate) on all other categories
- up to 5% total savings — 24 reward points per Rs 150 (~4%) plus 1% fuel surcharge waiver; additional 1.5% cashback via the HP Pay App on Fuel spend at HPCL outlets
- up to 2% savings — 10 reward points per Rs 150 on Utility bills and departmental stores — 1,000 points per statement cycle
Welcome bonus: 500 reward points on Rs 5,000+ spend within 60 days of card issuance
Category caps
- UPI transactions: 500 points per cycle
Redemption
Points credited within 60 days.
Ratio: 1 point = Rs 0.25
Excluded from rewards: wallet loads, direct debit transactions, select merchant categories excluded from accelerated rewards
- Fuel surcharge waiver 1% on HPCL transactions Rs 400-5,000, capped at Rs 100/statement.
Real-world feedback
Not found in a card-specific, quotable form during this research pass; flagged as 'not found' rather than assumed absent.
Sources
- Official — fees, eligibility, lounge, rewards
- Aggregator — forex (fee cross-check only)