Bank of Baroda Hpcl Energie Credit Card
Updated on September 9, 2026
🎖️Reward Rate
24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
Overview
The Bank of Baroda HPCL Energie Credit Card is a co-branded fuel card offering accelerated savings on HPCL fuel and LPG purchases, along with everyday rewards on utility and departmental store spends.
Rewards
Reward Type
Reward Points
Reward Rate
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
Welcome Benefit
500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Milestone Benefit
Renewal fee waiver on annual spends of ₹50,000 in every anniversary year
Redemption
Redeem reward points as cashback (exact per-point cashback value not shown on issuer site for this card)
Benefits
- Up to 5% savings on fuel, LPG purchases and via HP Pay App at eligible HPCL outlets (4% valueback + 1% surcharge waiver)
- Up to 2% savings on utility & departmental store spends
- 4 complimentary domestic airport lounge visits per year (1 per quarter) for primary cardholders
- 25% discount up to ₹100 on purchase of minimum 2 movie tickets per transaction on BookMyShow
- 1% fuel surcharge waiver on all HPCL fuel transactions between ₹400–₹5,000 at eligible HPCL outlets
- Convert purchases above ₹2,500 into Smart EMI over 6–48 months
- Up to 3 lifetime free add-on cards for spouse, parents, siblings, or kids above 18
Things to Know Before you apply
Bank of Baroda Hpcl Energie Credit Card Eligibility Criteria
- Age: 21–65 years
- Not disclosed as a specific figure by issuer (income proof documents required)
- Salaried/Self-employed
- Indian Resident
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Cash Advance Fee | Not disclosed by issuer |
Fee waiver: Renewal fee of ₹499 waived on annual spends of ₹50,000 or more in every anniversary year
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
A solid co-branded fuel card for frequent HPCL customers, offering up to 5% savings on fuel and LPG purchases, though most accelerated benefits are restricted to eligible HPCL outlets.
Pros
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
Cons
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed
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- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • Complimentary welcome voucher worth ₹500 from premium retail partners upon completion of first transaction within 30 days.
- • Qualification Criteria: First card swipe within 30 days of issuance
- • Fulfillment Timeline: Dispatched via SMS within 45 days
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Accelerated Rewards: Earn 6 Reward Points per ₹100 spent on International purchases (4X Accelerated Earning)
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government payments
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions