HPCL Energie BOBCARD

BOBCARD (Bank of Baroda) · Open to apply

A fuel card with HPCL: 24 points per ₹150 (4% back) plus a 1% fuel surcharge waiver at eligible HPCL outlets, LPG and the HP Pay app, 10 points per ₹150 on utilities and department stores, for ₹499 a year waived at ₹50,000 spend.

Annual fee
₹499 + GST a year
Joining fee
₹499 + GST
Fee waiver
Annual fee waived on ₹50,000 spend per card year
Base rate
2 points per ₹150 on other spends: 2 BOBCARD Reward Points per ₹150 (about 0.33% at cash value)
Lounges
Domestic: 1 visit a calendar quarter after ₹20,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 24 points per ₹150 on fuel at eligible HPCL outlets: 24 BOBCARD Reward Points per ₹150 (about 4% at cash value)
  • Extra 20 points per ₹150 on hotels booked on BOBCARD SmartDeal: 20 BOBCARD Reward Points per ₹150 on top of the base rate (about 3.33% at cash value)
  • 10 points per ₹150 on utilities (MCCs 4812, 4899): 10 BOBCARD Reward Points per ₹150 (about 1.67% at cash value)
  • 10 points per ₹150 at department stores (MCC 5311): 10 BOBCARD Reward Points per ₹150 (about 1.67% at cash value)
  • Extra 8 points per ₹150 on flights booked on BOBCARD SmartDeal: 8 BOBCARD Reward Points per ₹150 on top of the base rate (about 1.33% at cash value)

Earns nothing on

  • No points on rent (MCC 6513)
  • No points on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
  • No points on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
  • No points on wallet loads (MCCs 6539 to 6543)
  • No points on insurance (MCCs 5960, 6300)
  • No points at supermarkets, convenience and variety stores (MCCs 5261, 5331, 5411, 5499)
  • No points on toll and road fees (MCC 4784)
  • No points on railway bookings (MCC 4112)
  • No points on fast food (MCC 5814), taken to include Swiggy and Zomato

Where the sources disagree

  • Reward points on waiver-eligible fuel transactions: The KFS and consolidated MITC fee-table footnote says "Fuel transactions eligible for surcharge waiver do not earn Reward Points". The HPCL page ("24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waiver") and the T&C ("Fuel transactions don't earn any reward points on any BOBCARD except HPCL Energie") give HPCL fuel both. We use the card-specific page and T&C: 24 points and the waiver.

Terms the calculator does not value

  • The page also promises up to 60 litres of free fuel a year ('Go Full Tank on Happiness'); no condition or document is given, so it is not entered.
  • From 15 Jul 2026 the accelerated points and surcharge waiver need the outlet to be on HPCL's list (MID/TID). The calculator treats every HPCL outlet as eligible.
  • Fuel bought away from HPCL outlets is not addressed by the T&C beyond 'fuel earns no points on any BOBCARD except HPCL Energie'; no rule is entered, so it earns the core rate.
  • Food delivery apps (Swiggy, Zomato) are assumed to be fast food, MCC 5814, and so excluded from all points.
  • Other MCCs that earn nothing and have no calculator category: agriculture, contractors, the transportation MCCs 4111, 4131 and 4789, personal and civic services (7211, 7230, 7276, 7349, 8111, 8641), hospitals (8011, 8062; our health category also holds pharmacies and is not excluded) and charity (8398, 8661). Transactions under ₹100 earn nothing.

Sources

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