Skip to content
COFFERCards. Points. Value.
BOBCARD HPCL ENERGIE credit card
BOBCARD

BOBCARD HPCL ENERGIE

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Bank page unavailable · Earns Reward Points

BOBCARD's page for this card no longer opens (checked 18 Oct 2026), so no application link is shown.

First-year fee

₹499 to join.

Annual fee

₹499 a year.

What it gives back

2 Reward Points per ₹150 · everyday spends

Read from 10 BOBCARD documents, last checked 18 Oct 2026.

Our calculation

0.33% value back

Every ₹1,00,000 spent at this rate earns about 1,333 points, worth about ₹333 at the value BOB Financial (BOBCARD) states for a point.

BOB Financial (BOBCARD)'s rate: “2 Reward Points for every ₹150 spent on other categories” Proof
The bank’s words

“Get 2 Reward Points for every ₹150 spent on other categories.”

BOB Financial (BOBCARD)'s point value: “1 Reward Point = ₹0.25” Proof
The bank’s words

“1 Reward Point = ₹0.25.”

How it compares

Compared with the cards we have read

₹499 annual fee: of the 273 other open cards whose annual fee we have read, 100 state a lower one, 25 state the same and 148 state a higher one.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

0.33% value back by our calculation: of the 49 other open cards we can work this out for, 17 return less and 32 return more.

Fees

  • Joining fee

    ₹499 to join.

  • Annual fee

    ₹499 a year.

  • Fee waiver rule

    Renewal fee waiver on annual spends of ₹50K in every anniversary year

  • Add-on card fee

    Up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

Welcome offer

  • Welcome benefit

    500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance.

Rewards

  • Reward rate

    2 Reward Points per ₹150 · everyday spends2 Reward Points for every ₹150 spent on other categories.

  • Fuel earning

    Up to 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waiver) for fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App

  • Travel earning

    Flight Booking Via BOBCARD SmartDeal: 8 points for every ₹150 · Hotel Booking BOBCARD SmartDeal: 20 points for every ₹150.

  • Utilities earning

    Up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores

  • Reward exclusions

    Reward program is not applicable on select MCCs; HP Pay Direct Debit and wallet load transactions do not qualify for accelerated Reward Points or fuel surcharge waiver

  • Reward caps

    Accelerated Reward Points of 10RP & 24RP per ₹150 is capped at maximum 1000 Reward Points each per statement

  • What one reward unit is worth

    1 Reward Point = ₹0.25.

  • Point expiry

    Reward Points are valid only for 2 years from the date of accumulation

Card benefits

  • Domestic lounge access

    4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges, subject to minimum spends of ₹20,000 in the preceding calendar quarter

  • Movie or entertainment ticket benefit

    25% off up to ₹100 on the purchase of minimum 2 tickets per transaction, up to two times per month on District

Also included

  • Fuel surcharge waiver

    1% Fuel Surcharge waiver on all HPCL fuel transactions between ₹400-₹5000 including fuel purchases made through HP Pay App; capped at ₹100 per statement

  • Surcharge on railway tickets

    1% fee (Subject to maximum ₹5000 per transaction) will be charged on railway bookings (MCC 4112) of ₹30,000 or higher (w.e.f 1st April 2026)

  • Insurance benefit

    Insurance feature NOT available for HPCL Energie Credit Card.

  • Add-on card eligibility

    Add-on cards for your spouse, parents, siblings or kids (above age 18)

  • Purchase to EMI conversion

    Convert purchases of > ₹2,500 into Smart EMIs of 6 to 48 months.

Charges

  • Forex markup

    3.5% on foreign currency transactions.3.5% of transaction amount

  • Cash advance fee

    2.5% of the withdrawn amount or ₹500 whichever is higher.

  • Interest on unpaid balance

    3.75% per month i.e. 45% per annum.

  • Interest-free period

    20 to 50 days interest-free when you pay in full.

  • Late payment fee

    Less than ₹100: NIL · ₹100 to ₹500: ₹100 · ₹501 to ₹1,000: ₹400 · ₹1,001 to ₹10,000: ₹750 · ₹10,001 to ₹25,000: ₹950 · ₹25,001 to ₹50,000: ₹1,100 · More than ₹50,000: ₹1,300.

  • Over-limit fee

    2.5% of the amount over & above the sanctioned credit limit or ₹600, whichever is higher. Overlimit upto 5% of credit limit

  • Payment return or dishonour fee

    Cheque return charges 2% of the payment amount, subject to min of ₹500

  • Statement or duplicate statement fee

    ₹25 per Bill

  • Card replacement fee

    ₹100/- per card

  • Cash payment / cash deposit fee

    Processing fee ₹250 for every cash payment.

  • Cheque payment / dishonour fee

    Process fee ₹100 for every cheque payment.

  • Education / school fee charge

    1% fee (subject to maximum of ₹5000 per transaction) will be charged on online education fee payments via Third party payment apps - Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, Phonepe, SuperPe (w.e.f 1st April 2026)

  • Reward redemption fee

    No Fee

  • Wallet load charge

    1% processing fees will be levied on Wallet loading Transactions.

  • What the card's fee or benefit year means

    Card Anniversary year is considered from the Card issuance date

  • Rent transaction fee

    A fee of 1% of the total transaction amount will be levied on all rent payment transactions (Merchant Category Code or MCC 6513) done using your BOBCARD Card.

  • Utility transaction fee

    1% (Maximum ₹3000 per transaction) Processing fee will be levied to Utility transactions (MCC 4900) where transaction amount is ₹50,000 or higher

  • GST note

    The GST component is not reversed

  • Grace days after the due date

    Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

  • Minimum amount due

    100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance), or ₹200 whichever is higher

Eligibility

  • Age the primary cardholder must be

    Salaried: 21 to 60 years (Primary Cardholder), Self employed: 24 to 65 years.

  • Eligibility

    Indian Resident; Age Salaried: 21 to 60 years (Primary Cardholder), Self employed: 24 to 65 years.

  • Documents required

    Recent passport size photograph and PAN Card; Aadhaar Card (both side), Voter ID Card, Passport, Driving Licence.

In the terms, not the brochure (4)

  • Spend that unlocks lounge visits in the next period

    Minimum spends of ₹20,000 in the preceding calendar quarter for complimentary lounge access

  • What happens to unredeemed points if the card is closed

    Reward Points earned but not redeemed at the time of death of the card member or card closure (bank/customer initiated) shall be forfeited.

  • Whether carrying a balance ends the interest-free period

    Interest-free credit period is suspended if any balance of the previous month’s bill is outstanding, i.e.

  • Spends that do not count toward the fee waiver

    UPI transactions do not qualify for joining rewards and annual fee waiver.

How we know - 10 documents from BOBCARD, checked 18 Oct 2026

10 documents from BOBCARD, checked 18 Oct 2026.

  • Features and Rewards Important Terms Conditions29 Sep 2026Proof
  • Bobcard Mits17 Aug 2026Proof
  • Card pageProof
  • Key Fact StatementProof
  • MITCProof
  • Fees and charges pageProof
  • Bobcard Lounge Terms ConditionsProof
  • Lounge access termsProof
  • Card terms and conditionsProof
  • Reward points termsProof

On these lists