HPCL Bank of Baroda ENERGIE Credit Card 2025
Save up to ₹7,000+ every year on fuel, groceries, utilities & lounge access!
Drive a lot & fill up at HPCL pumps? The HPCL Bank of Baroda ENERGIE Credit Card is your fuel-saving partner!
Get up to 6.5% savings on HPCL fuel (5% RP + 1.5% waiver), 5% rewards on grocery/utilities (up to ₹15K/month), 1 domestic lounge/quarter, 500 welcome RP, 1% fuel waiver everywhere, low ₹499 fee (waived on ₹50K spend), and RuPay UPI compatibility!
Best card for HPCL loyalists + daily commuters!
Why This Is The Best HPCL Fuel Card in 2025?
6.5% HPCL fuel savings • 5% grocery/utilities • 1 lounge/quarter • Welcome 500 RP • 1% fuel waiver • Fee waiver on ₹50K • 45 days interest-free • RuPay UPI.
Best for: HPCL fuel users, grocery shoppers, utility payers, commuters
Card At a Glance
₹499 + GST
₹499 + GST (waived on ₹50K)
6.5% on HPCL
5% (up to ₹15K)
1 Domestic/Quarter
1% (up to ₹100/month)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (waived on ₹50K spend) |
| Welcome Benefit | 500 Reward Points on ₹5K spend in 60 days |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Lounge Access | 1 domestic/quarter (on ₹20K prior spend) |
| Cash Advance Limit | 50% of credit limit |
Detailed Reward Rates (2025)
- 24 RP/₹150 on HPCL fuel (5% value + 1.5% waiver = 6.5% total)
- 10 RP/₹150 on grocery, utilities, dept stores (up to ₹15K/month = 5% value)
- 2 RP/₹150 on other spends (1% value)
- 1 RP = ₹0.25 cashback/vouchers/fuel
- No expiry on points
- No points on wallet, rent, govt, education
- 1% fuel surcharge waiver up to ₹100/month everywhere
Airport Lounge Access
- 1 complimentary visit/quarter
- Domestic lounges only
- Primary + add-on cardholder
- Requires ₹20K spend in previous quarter
Insurance & Protection Benefits
- ₹1 Lakh personal accident cover
- Zero lost card liability
- 3 free add-on cards
- Travel insurance up to ₹50K
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 6.5% on HPCL fuel (no app needed) | HPCL-only accelerated fuel rewards |
| 5% on grocery/utilities up to ₹15K | 3.5% high forex markup |
| Low ₹499 fee + easy waiver | Lounge requires ₹20K prior spend |
| RuPay UPI compatibility | No movie/dining perks |
| 500 welcome RP + 1% waiver everywhere | 3.6% high interest rate |
Eligibility Criteria & Documents Required
- Age: 21-65 years
- Min Annual Income: ₹3.6L (salaried) / ₹4.8L (self-employed)
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, Salary slips/ITR, Bank statements
How to Apply Online (5-Minute Process)
- Visit BoB Financial website/app
- Fill details & check eligibility
- Upload docs + video KYC
- Card delivered in 7-10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹5K+ monthly on HPCL fuel + groceries/utilities, get ₹5,000–₹9,000 value yearly. Best HPCL co-branded fuel card – top pick for commuters in 2025!
Frequently Asked Questions (FAQs)
6.5% on all HPCL fuel?
Yes, 5% RP (24/₹150) + 1.5% waiver, no app required.
Fee waiver easy?
Yes, on ₹50K annual spend.
Lounge access conditions?
1/quarter on ₹20K prior quarter spend.
Reward redemption?
₹0.25/RP as cashback/vouchers/fuel, no expiry.