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BANK OF BARODA
BOB HPCL ENERGIE Credit Card
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Verified Catalog
Source: BANK OF BARODA Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Co-branded fuel card for HPCL petrol pumps with accelerated rewards on fuel spends
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Reward rate ranging from 0.3% to 4%
Highlight 2
2,000 bonus reward points as welcome benefit on spending ₹5,000 within first 60 days
Highlight 3
Up to 24 reward points for every ₹150 spent
Highlight 4
Complimentary domestic airport lounge access
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹499
The front-loaded charge when you apply.
Annual fee
₹499
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹499100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
No specific hotel loyalty benefits are registered.
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Entry-level card with decent online shopping rewards. Good starter card with low annual fee. Optional subscription plans provide flexibility to enhance rewards based on spending patterns"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 5,000 Travel Credits
- Accelerated Rewards Program: 3X on lifestyle
Cons
- Base Rate: 1pt/₹100 on fuel
- Dining: 15% dining offers
- Other Features: Unlimited lounge access
- Expert Opinion: Entry-level card with decent online shopping rewards. Good starter card with low annual fee. Optional subscription plans provide flexibility to enhance rewards based on spending patterns
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Customer Reviews
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