| Card Name | ENERGIE Credit Card by HPCL Bank of Baroda |
| Issuer | Bank of Baroda |
| Other Names | BOB Energie, HPCL Fuel Credit Card, Energie Credit Card, HPCL Bank of Baroda's Credit Card |
| Card Network | Rupay |
| Rewards | | Online | 10% reward points for every INR150 on groceries, departmental stores and utilities purchased
2% reward points on every INR 150 for other purchases. | | Offline | You will get 24% reward points for every INR 150 at HPCL retail outlet spending. | | Max Savings | 5 | | Min Savings | 2% of spending on utility and departmental store. | | Other Rewards | You can receive a bonus of 500 reward points if you spend INR 5000 or more within first 60 days of getting your card.
You can get 25% off on purchase of two or more movie tickets at Paytm Movies, upto a maximum of INR 100.
You can get extra 1.5% Payback points on purchase of fuel at HPCL pumps via HP Pay App.
No need to pay any liability coverage for misplaced cards. | | UPI Rewards | You can get up to 500 reward points on UPI spends of a statement cycle. | | Domestic Lounges | Primary Cardholders can get up to 4 complimentary lounge visits per year. | | International Lounges | Not Applicable | | Fuel Surcharge Waiver | 1% on purchase of HPCL fuel from INR 400-INR 5000 via HP Pay App including transactions
The maximum amount of waive per statement for each credit card account is INR 100. | | Insurance Benefits | Not Applicable | | Reward Rate | 1 reward point equals to INR 0.25. 24 points for every INR 150 on purchase of fuel at HPCL outlets, 10 points for every INR 150 on purchase of groceries, departmental stores and utilities, 2 point for every INR 150 on other purchases. all upto the maximum of INR 1000 per statement cycle. | | Golf | Not Applicable | | Movie And Dining | You will get 25% off on purchase of two or more movie tickets at Paytm Movies, up to a maximum of INR 100 which will be valid for twice a month. | | Brand Rewards | - You can get extra 1.5% Payback points on purchase of fuel at HPCL via HP Pay App on HPCL
- You can get 24 Reward points on every INR 150 for the fuel at HPCL via HP Pay App. on HPCL
| | Redemption Process | You can redeem your reward points on the purchase of products from the Bank of Baroda website.
You can also redeem your points in the form of cash at the rate of 1 RP which is INR 0.25.
No charges for redemption of rewards.
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| Fee | | Joining Fee | 499 | | Renewal Fee | 499 | | Fee Waiving | 50,000 | | Forex Markup | 3.5% | | Cash Advance Charges | Not Applicable | | Reward Redemption Fee | Not Applicable | | Interest Rates | 3.49% | | Cash Withdrawal Fee | Not applicable | | Over Limit Penalty | Higher of 2.5% or INR 500 | | Card Replacement Fee | INR 100 per card | | Min. Repayment Amount | Higher of INR 100 or 5% of balance due. | | Late Payment Fee | Up to ₹100: ₹0
₹101 to ₹500: ₹100
₹501 to ₹1,000: ₹400
₹1,001 to ₹10,000: ₹600
₹10,001 to ₹25,000: ₹800
Above ₹25,000: ₹950 | | Reward Points Cap | Upto 1000 points for each statement cycle | | Cash Advance Limit | 2.5% or INR 300, whichever is higher. |
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| Pros | 1. You can save upto 5.5% on the purchase of fuel at HPCL pump via HP Pay App.
2. Allowance of the 1% fuel surcharge.
3. You can get access to 4 complimentary domestic airport lounge per year.
4. You can get 25% off on purchase of movie tickets at Paytm Movies.
5. You can get up to 3 add-on cards for free.
6. No cover charge for lost card.
7. You can get extra cashback by using HP Pay App.
8. You can apply easily with the help of Aadhaar e-sign and Video KYC.
9. No annual fee is charged in case of milestone spends.
10. No interest is charged for 20-50 days.
11. You will get reward points on any transaction of INR 150 or above. |
| Cons | 1. You get limited benefits on no purchase of fuel.
2. You get up to 1000 reward points for each statement cycle.
3. Reward benefits are limited on UPI transactions.
4. You get no access to international airport lounge.
5. Finance charge is 3.49% for each month.
5. Reward redemption value is low. |
| Welcome Benefits | You can get 2000 reward points if you spend INR 5000 or more within the first 60 days of card issuance.
You can get a cashback of INR 100 on the first recharge of INR 1000 or more via HP Pay App.
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| How to Apply | Online:
– Visit BOB Financial’s official website.
– Fill in the application form and submit required documents.
– Alternatively, check for pre-approved offers if you’re an existing BOB customer.
Offline:
– Visit the nearest Bank of Baroda branch.
– Fill out the credit card application form and submit it with the necessary documents.
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| Eligibility |
Indian Resident.
Age: 21 to 65 years (Primary Cardholder), above 18 years (Add-on Cardholder).
Salaried with Annual Income of more than ₹3.6 Lakh.
Self-Employed with Annual Income of more than ₹4.8 Lakh.
Minimum Credit Score: 700.
Mandatory Documents :
-duly filled application form.
– Copy of PAN card.
– Proof of address.
– Proof of income.
– Latest passport size photograph.
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| Documents and Links | |
| Customer Care | |
