Bank of Baroda HPCL ENERGIE Credit Card: Fees, Rewards & Benefits
Fuel card with lounge access
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A focused fuel card that pays off best for loyal HPCL customers, combining 12x card points with 1.5% HP Pay payback up to a 1,000-point monthly cap, all for a low Rs.499 fee with 4 lounge visits. Off-HPCL it reverts to a thin ~0.33% base earn.
Fuel card with lounge access
The Bottom Line
The Bank of Baroda HPCL ENERGIE is built for hpcl fuel buyer and budget commuter. With a ₹499 annual fee that is waived on ₹50,000 yearly spend, it offers 4% rewards on hpcl (fuel) and 2,000 bonus points. It makes the most sense if your spending matches hpcl fuel buyer and budget commuter.
It earns a base reward rate of 0.33333333333333337% and stacks best when your spending lines up with HPCL fuel buyer, Budget commuter. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealDrivers who regularly refuel at HPCL and via the HP Pay app, stacking 12x card points with 1.5% payback for high effective fuel value.
Low-income users (Rs.3.6 lakh+) wanting a cheap fuel-and-grocery card with an easy Rs.50,000 fee waiver and 4 lounge visits.
Probably not for
SkipThose who fuel at other pumps lose the headline 12x benefit and are left with a ~0.33% base earn.
The 1,000-point monthly fuel cap limits returns for anyone with large monthly fuel bills.
Is It Worth It For You?
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Reward Rates
Bank of Baroda HPCL ENERGIE offers 0.33333333333333337% basic reward rate.
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Welcome Offer
2,000 joining bonus Reward Points (worth approx INR 500) on spends of INR 5,000 or more within 60 days of card issuance. UPI transactions do not count toward this qualifying spend.
Fees & Charges
Eligibility
- Min Income: ₹4.8 Lakhs
- Min Credit Score: 700
- Age 21-65; min annual income ₹3.6L salaried, ₹4.8L SE; RuPay network; fee waived on ₹50,000 annual spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
HP Pay wallet load
- HP Pay wallet loads are not eligible for accelerated fuel rewards / fuel savings.
UPI transactions
- UPI transactions are excluded from joining/welcome reward qualifying spend and from the annual fee waiver spend calculation.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹499 annual fee. Apply on the Bank of Baroda website.
Apply on Bank of Baroda →We may earn a commission if you apply through this link. It never affects our ratings.
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