What is the reward rate on the HPCL ENERGIE BOBCARD?

You earn 24 points per ₹150 on fuel purchases at HPCL retail outlets and similar spends. Everything else earns 2 points per ₹150. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 1600 points, roughly ₹400, which is about 4% back. The accelerated rate stops after ₹250 of spend in a month. Rent, Wallet loads, EMI transactions earn nothing at all.

Does the HPCL ENERGIE BOBCARD give free airport lounge access?

The HPCL ENERGIE BOBCARD gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. Access is not automatic any more, because you need ₹20,000 of spend in the previous quarter before the visits become available, which is ₹6,667 a month.

What changed on the HPCL ENERGIE BOBCARD recently and is it still worth it in 2026?

No card specific cut has been announced, though Bank of Baroda has been trimming rewards across its portfolio. At ₹50,000 of yearly spend the card returns roughly ₹165 at its general rate of about 0.33%, against a ₹499 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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Card Details

1556 3824 9689 5082

HPCL ENERGIE BOBCARD

BANKRUPAY

Monzy Score

8/ 10

Very good for high fuel spenders.

Strong ~6% back in its core category; thin rewards outside its core category; high 3.5% forex markup.

Card Issuer

Bank of Baroda

Joining Fee

₹499

Annual Fee

₹499

Reward Type

Reward Points

Card Access

Standard

Offers from Bank of Baroda

See all

Earn Points

24pts

/₹150 at Hpcl Outlets & Hp Pay (max ₹250/Mo)

10pts

/₹150 on Utility Bills (max ₹250/Mo)

10pts

/₹150 on Grocery Stores (max ₹250/Mo)

Benefits

Fuel

Up to 5% savings on HPCL fuel & LPG

Core HPCL fuel savings
24 Reward Points per ₹150 on HPCL fuel, LPG and HP Pay transactions
Additional 1% fuel surcharge waiver between ₹400-₹5,000
HP Pay wallet load transactions do not qualify for the 5% savings
Accelerated fuel rewards only at eligible HPCL outlets

Travel

4 complimentary domestic lounge visits a year

Quarterly domestic lounge access
4 complimentary domestic airport lounge visits every year

Utilities

10 Pts/₹150 on Utilities

Protection

₹499 fee waived on ₹50K annual spends

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Fuel at HPCL outlets

24 RP per Rs.150 at HPCL; capped 1000 RP/statement cycle = Rs.250; +1% fuel surcharge waiver

₹250

Groceries, Departmental stores & Utilities

10 RP per Rs.150; accelerated cap ~1000 RP/cycle = Rs.250

₹250

All other spends

2 RP per Rs.150; 1 RP=Rs.0.25

₹29

Total Annual Return

₹6,350

1.76% Effective ROI

What Users Are Saying

Community Feed

Feb 2026

HPCL ENERGIE BOBCARD

Offers from Bank of Baroda

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HPCL ENERGIE BOBCARD

Offers from Bank of Baroda

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

HPCL ENERGIE BOBCARD

Offers from Bank of Baroda

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind