HPCL ENERGIE BOBCARD Credit Card: All You Need to Know

Abread-and- butter credit card is a staple among the range of credit cards available in the market today. Whether you’re a road warrior, foodie or just want cashback and petrol discounts, there’s a card to match each need. The HPCL ENERGIE BOBCARD Credit Card, issued through Bank Of Baroda (BOB) and Hindustan Petroleum Corporation Limited (HPCL), is a card designed with a host of benefits in mind and seems perfect for your everyday use, especially if your visits to fuel stations are frequent and you love special benefits on both dining and lifestyle.

In this article, we will do a detailed review of the HPCL ENERGIE BOBCARD, looking into its features, benefits, reward program, how it stacks against the competition, eligibility, and many more things.

About the HPCL ENERGIE BOBCARD

The HPCL ENERGIE BOBCARD is a fuel and lifestyle card to fit everyone's lifestyle. With a good blend of fuel discounts, cashback promotions and fringe benefits, it offers good value for those who allocate a decent amount of their budget towards fuel and travel costs. Brought to you by Bank of Baroda, this card also offers you the additional benefit of trustworthy banking facilities, increased security and convenient online access.

In association with HPCL, the card offers various privileges for fuel station customers such as savings on fuel purchases, reward points on all purchase, and much more on travel, shopping, dining, to name a few.

Salient Features of the HPCL ENERGIE BOBCARD Credit Card

Reward Points for Every Spend

The points are the most interesting part of using the HPCL ENERGIE BOBCARD for transactions. To acquire Reward Points on your fuel transactions or any other retail purchases using the card. You are able to receive reward points for both fuel and non-fuel purchases, which means you will collect dividends over all types of purchases.

Gasoline Purchases:

The biggest perk of the card is its fuel rewards program. 53Cardholders can receive 5% cash back on fuel transactions done at HPCL pumps. This is especially useful for those that drive a lot and have a high monthly fuel bill.

Retail Purchases:

Other than fuel, you can earn 1 reward point for every ₹100 spent on retail purchases. This could range from shopping for groceries to dining to online purchases and more.

The points won can be used for future purchases or converted into cashback, and it is a card that works well for all sorts of travelers.

Fuel Surcharge Waiver

The fuel surcharge waiver is one of the best benefits of HPCL ENERGIE BOBCARD. Customers with an Alankit HPCL-cobranded card get a 1% waiver on the fuel surcharge at all HPCL petrol pumps in India. This waiver can be availed on fuel purchases from ₹400 to ₹3,000, so, it’s quite a saving for those who purchase fuel every now and then. Considering the increasing fuel prices, this facility gives cardholders an opportunity to save on their growing fuel bills each month.

Exclusive Discounts and Offers

Other than the regular rewards and fuel discounts, the HPCL ENERGIE BOBCARD has a host of exclusive offers on dining, movies & entertainment, shopping and travel. Here are some of the deals you can look forward to:

Dining Promotions:

Earn dining privileges at the partner restaurants. This might be in the form of snowball discounts, cashback (points, miles, percent of purchase price), or deals that are offering even more value for paying with the card in a restaurant.

Lifestyle and Shopping Offers:

Get exciting special shopping offers from popular brands in store and online. Cardholders can access exclusive deals and offers on lifestyle, fashion, electronics and more.

Travel and Hotel Savings:

Subscribers are able to access travel discounts and offers, such as discounts on hotel reservations, air travel and car rentals. And if you’re booking through partner platforms, like Cleartrip or Yatra, you may still get special deals.

These extra discounts and promotions enhance the card and make it all the more worth it for those who love to shop, dine and travel.

No Annual Fee and Waiver Opportunities

One other appealing feature of the HPCL ENERGIE BOBCARD is the nominal annual fee. The annual fee is generally ₹500 + GST which is not that high considering its a premium credit card with tons of benefits.

Annual Fee Waiver:

The best part is the annual fee is waived post spends of ₹50,000 in the last year, which makes this card quite cost effective even for normal spenders.

Insurance Coverage

The HPCL ENERGIE BOBCARD is also insured, so that you have more peace of your mind every time you spend your money. Here are some of the insurance benefits:

Purchase Protection:

If you cardholder has made an eligible purchase with the card and the product is inadvertently damaged or stolen within a certain time period, the card holder will be covered.

Credit Shield cover:

In case of the death of the primary card member, full credit card dues will be waived off using this credit shield cover. This is an unbeatable benefit for t primary card holder’s family in the time of uncertainty.

Emergency Card Replacement:

If your card is lost or stolen, you can get emergency card replacement services, so that you can still make payments without any hassles.

These insurance perks turn the card into not only a spending vehicle, but a guard for your money.

What Makes the HPCL ENERGIE BOBCARD Special?

It is different or superior to other credit cards available in the market the HPCL ENERGIE BOBCARD is unique in many ways:

Fuel-Centric Benefits

This card is best suited for anyone who spends a significant amount on fuel and fuel products and who priorities fuel related benefits. Unlike all other credit cards where one earns simple cashback or points on all spends, this credit card is designed primarily for fuel purchases, an ongoing and sizable cost to most cardholders.

Lifestyle Benefits

And although it’s a card to consider if you want high-value fuel-related returns, it doesn’t skimp on lifestyle benefits either. With dining rewards and exclusive shopping deals, this card offers a well rounded benefits package for different types of spenders.

Low Annual Fees With the Option of Waivers

The Rs 500 on annual spend is low and its fee waiver offer on achieving a threshold spend amount makes this card even reasonable for regular users.

HPCL ENERGIE BOBCARD Eligibility Criteria

Product Specification UP to Rs.1,00,000:

Based on the gross salary ( in a month ) of the customer.

As with all other credit cards, there are certain eligibility conditions for HPCL ENERGIE BOBCARD. Though these can differ slightly for a particular applicant’s location, employer or other reason, these are the general requirements:

Age:

Age of the candidates should between 21 to 60 years.

Income:

The minimum annual income norm is typically ₹2.5 lakh.

Credit:

An approval typically requires a good credit score, generally 700 or more.

So if you fulfill these minimum conditions, then you are free to apply for the card by visiting the BOB official website or their partners.

Conclusion

HPCL ENERGIE BOBCARD Credit Card is a perfect option for those who want to get the most from their fuel expenses, combined with many benefits in lifestyle, entertainment, and dining. Whether you use the card on fuel, for shopping, enjoying dinner out or travel, there is also a full rewards program and plenty of offers to suit your everyday lifestyle. And at an average annual fee, low fuel surcharge and good fuel rewards, cardholders are getting great bang for their buck, especially if they’re frequent gas fill-ups.

The HPCL ENERGIE BOBCARD is worth considering for those who prefer to spend and save at the same time, while its fuel benefits, lifestyle discounts, and insurance coverages make it an all the more lucrative deal. When you acquire this card, you’re doing more than just getting a card—you’re entering into a rewarding world which adds even more to every transaction you make.