Question 1

What is the annual fee on the HPCL ENERGIE BOBCARD and how do you get it waived?

Accepted Answer

The HPCL ENERGIE BOBCARD charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. Bank of Baroda waives the renewal fee if you spend ₹50,000 in the previous year, which is about ₹4,167 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the HPCL ENERGIE BOBCARD?

Accepted Answer

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.

Question 3

Does the HPCL ENERGIE BOBCARD give free airport lounge access?

Accepted Answer

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.

Question 4

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

Accepted Answer

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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HPCL ENERGIE BOBCARD

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