Research coverage — 8/16 categories
Bank of Baroda
HPCL ENERGIE BOBCARD
Best forFuel & Utilities
Earns24 RP/₹150 on fuel — only at HPCL outlets / HP Pay
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Network
Not recorded
Bank of Baroda
HPCL ENERGIE BOBCARD
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on fuel and utilities, where it earns 24 RP/₹150 (only at HPCL outlets / HP Pay)
- Annual fee is waived at ₹50,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
FuelOnly at HPCL outlets / HP Pay24 RP/₹150
Utilities10 RP/₹150
Shopping10 RP/₹150
Telecom2 RP/₹150
All 16 reward categories · 8 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not a good fit | — | Rent payments (MCC 6513) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2Details
|
| Education | Not a good fit | — | Education fees paid via third-party aggregators strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2Details
|
| Insurance | — | — | Research pendingDetails
|
| Utilities | 10 RP/₹150 | 1,000 RP per month | 10 RP/₹150 on Utilities (MCC 4812/4899)Details
|
| Fuel | 24 RP/₹150 | 1,000 RP per month | Only at HPCL outlets / HP PayDetails
|
| Groceries | — | — | Research pendingDetails
|
| Dining | — | — | Research pendingDetails
|
| Food Delivery | — | — | Research pendingDetails
|
| Shopping | 10 RP/₹150 | 1,000 RP per month | 10 RP/₹150 on Shopping (Departmental Store MCC 5311)Details
|
| Travel | — | — | Research pendingDetails
|
| Government | Not a good fit | — | Government and tax payments (MCC 9311, 9399) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2Details
|
| Wallet | Not a good fit | — | Wallet loading transactions (MCC 6540) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2Details
|
| Railways | — | — | Research pendingDetails
|
| FASTag | — | — | Research pendingDetails
|
| Jewellery | — | — | Research pendingDetails
|
| Telecom | 2 RP/₹150 | — | Telecom spends (MCC 4814) earn core 2 RP/₹150 per revision circular effDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Reward caps
- Fuel — 1,000 RP / month (per category — Fuel)
- Utilities — 1,000 RP / month (per category — Utilities)
- Fuel — ₹100 / month (per category — Fuel)
Key benefits
Rewards
24 RP/₹150 on fuel (only at HPCL outlets / HP Pay)
Fee waiver
Annual fee waived on ₹50,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Fuel reward (24 RP/₹150) applies only at HPCL outlets / HP Pay — not to all fuel spends
- Fuel rewards are capped at 1,000 RP / month (per category — Fuel)
- Utilities rewards are capped at 1,000 RP / month (per category — Utilities)
- Not recommended for: Rent, Education, Government, Wallet
- Research pending: Insurance, Groceries, Dining, Food Delivery +4 more — not counted
Who should consider this card
✓ Good fit if
- Your spending is concentrated in fuel, utilities, shopping
- You regularly spend only at HPCL outlets / HP Pay
- You can reach the ₹50,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, government, which earn nothing
- Your spending is not only at HPCL outlets / HP Pay
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 3 caps · 4 no-reward categories
Caps
- Fuel — 1,000 RP / month (per category — Fuel)
- Utilities — 1,000 RP / month (per category — Utilities)
- Fuel — ₹100 / month (per category — Fuel)
Categories with no reward or not eligible
- Rent — Not a good fit. Rent payments (MCC 6513) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2.
- Education — Not a good fit. Education fees paid via third-party aggregators strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2.
- Government — Not a good fit. Government and tax payments (MCC 9311, 9399) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2.
- Wallet — Not a good fit. Wallet loading transactions (MCC 6540) strictly excluded from reward points accrual per BOBCARD Features & Rewards Terms Section 3.2.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to Bank of Baroda's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 12 areas
12 areas need further verification. None of these are counted as zero.
- • Insurance — research pending
- • Groceries — research pending
- • Dining — research pending
- • Food Delivery — research pending
- • Travel — research pending
- • Railways — research pending
- • FASTag — research pending
- • Jewellery — research pending
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-26
Verification coverage: 8 of 16 categories verified · 8 still being verified
Card record last checked: 2026-09-26
Documents used
HPCL ENERGIE BOBCARD Product Terms & Feature Schedule · BOB-SRC-011 · 2026-09-26
BOBCARD Most Important Terms and Conditions (MITC) · BOB-SRC-004 · 2026-09-26
HPCL ENERGIE Revision in Charges & Benefits Circular · BOB-SRC-012 · 2026-09-26