HPCL ENERGIE BOBCARD Credit Card

The HPCL ENERGIE BOBCARD Credit Card is engineered specifically to curb fuel expenses for daily drivers, commuters, and fleet managers patronizing Hindustan Petroleum outlets. Fuel remains an inflation-sensitive household expense that is notoriously excluded from rewards on almost all standard credit cards. The HPCL ENERGIE card addresses this by delivering up to 5% total value back on fuel purchases at authorized HPCL stations when processed through the HP Pay app: 24 reward points per ₹150 spent (4.0% value back, where 1 Point = ₹0.25), an additional 1.5% cashback via HP Pay wallet, and the complete 1% fuel surcharge waiver. Crucially, the card expands beyond the petrol pump by recognizing that motorists also spend significantly on household necessities. It provides 10 reward points per ₹150 spent on utility bill payments, groceries, and department stores—yielding a solid 1.67% return on everyday living costs. Moviegoers also receive a 25% discount on Paytm Movies (up to ₹100 per transaction, twice monthly). The joining and annual renewal fee of ₹499 is among the lowest in the market and is waived on spending just ₹50,000 in a year (under ₹4,200 per month). The trade-off lies in category caps and channel dependency: to realize the maximum 5% fuel benefit, transactions must be routed through the HP Pay app at HPCL pumps, and accelerated fuel points are capped at 1,000 points per billing cycle (reached on ₹6,250 monthly fuel spend). Similarly, the 10X utility and grocery bucket is capped at 1,000 points per month. However, for vehicle owners spending ₹4,000 to ₹6,000 monthly on fuel, this card generates an easy ₹3,000+ in annual net savings.

Additional Cardholder Privileges

Mandatory Verification Documents