Bank of Baroda HPCL BOBCARD ENERGIE credit card
Bank of Baroda× HPCLVisaFuel

HPCL BOBCARD ENERGIE credit card

6.25% value at HPCL pumps plus 2.5% on grocery and department stores.

55
Personal score55/100● Good fit
Recurring net savings₹4,597/yrafter fee, GST and caps · bills paid in full
First-year value₹4,508incl. ₹500 welcome, ₹589 joining fee
Effective savings rate1.4%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹589waiver at ₹50,000 spend
Lounge access✈4 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: Bank of Baroda – HPCL BOBCARD ENERGIE product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹2,160/yr24 RP/₹100 on HPCL fuel (fuel assumed at…
Waived₹589 fee
2/2lounge visits covered
1/1lifestyle perks matched
₹30,000earns nothing (bills & utilities)

! Points are worth only ₹0.25 each – 1 RP = ₹0.25; redeem at HPCL pumps.

Where the money comes from

₹4,597/yr · 1.4%
24 RP/₹100 on HPCL fuel (fuel assumed at HPCL)on ₹36,000₹2,160
10 RP/₹100 on grocery & department storeson ₹43,200₹1,080
Base rate 0.5% on other spendson ₹1,99,440₹997
Excluded categories (no rewards)on ₹48,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹4,597/yr is calculated
HPCL BOBCARD ENERGIE
+ Reward value on your spendat ₹0.25/BOBCARD Reward Points realistic value
₹4,237
+ Fuel surcharge waiver1% up to ₹100/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹589 at ₹50,000 spend
₹0
= Recurring net savings
₹4,597/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
1.4%

How the score of 55 is built

weights total 100% · methodology
Net savings rate29/100 × 55%15.7
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
1 per quarterdomestic
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

  1. New feeBank of Baroda

    Bank of Baroda: 1% fee on education, large toll/bus and railway transactions

    From 1 April 2026 BOB cards charge 1% on education payments, 1% on toll and bus transactions above ₹5,000 and 1% on railway bookings above ₹30,000. CardLens already excludes education from rewards on these cards; the fee is a further cost if you route fees through the card.

    Cards: BOBCARD ETERNA, BOBCARD PREMIER, BOBCARD EASY, BOBCARD SELECT, BOBCARD TIARA, HPCL BOBCARD ENERGIE · Source: SaveSage – Credit card devaluations in 2026 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.5%value on eligible spend
⚡ Accelerated6% 24 RP/₹100 on HPCL fuel 2.5% 10 RP/₹100 on grocery &…
🚫 No rewards onrentutilitiesinsuranceeducation
🏷️ Fees₹589/yr incl. GSTwaived on ₹50,000 spend · joining ₹499
🎁 Welcome (year 1)≈ ₹5002,000 RP on ₹5,000 spend
🏁 Milestonesnone
✈️ Lounge✈1/qtr dom🌏0 intl1 domestic per quarter
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/BOBCARD Reward Points ★★★☆☆1 RP = ₹0.25; redeem at HPCL pumps.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Cheapest strong fuel card
  • Lounge access
  • Grocery bonus
  • HPCL only
  • Caps
  • ₹0.25 points

Community Q&A on the HPCL BOBCARD ENERGIE

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Bank of Baroda HPCL BOBCARD ENERGIE?

Joining fee ₹499 and renewal fee ₹499, plus 18% GST (₹589 a year). The renewal fee is waived if you spend ₹50,000 in the card year.

Does the HPCL BOBCARD ENERGIE give airport lounge access?

4 domestic/yr. 1 domestic per quarter.

How much can I save with the HPCL BOBCARD ENERGIE?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,597 a year, an effective savings rate of 1.4% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the HPCL BOBCARD ENERGIE's reward exclusions and caps?

No rewards on rent, utilities, insurance, education. 24 RP/₹100 on HPCL fuel (fuel assumed at HPCL): capped at ₹625 a month; 10 RP/₹100 on grocery & department stores: capped at ₹500 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: HPCL BOBCARD ENERGIE lounge access by airport · all Bank of Baroda cards · change log.