M16S / Bank of Baroda / Bank of Baroda HPCL Energie BOBCARD
entry · fuel, cobrand, rewards
Bank of Baroda HPCL Energie BOBCARD
The Bank of Baroda HPCL Energie BOBCARD costs Rs 499 a year, waived if you spend Rs 50,000 in a year. Its base return is 0.33% (2 RP per Rs 150). The forex markup is 3.5%. Lounge visits in India: 4 per year (1 per quarter) at partner domestic lounges, primary cardholder. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 499+ GST
- Fee waived at
- Rs 50,000annual spend
- Base return
- 0.33%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on bobcard.co.inOpens the bank’s own page.
Fees
| Joining fee | Rs 499 |
|---|---|
| Annual fee | Rs 499 |
| Annual spend that waives the fee | Rs 50,000 |
| Fee notes | Joining fee Rs 499, no waiver. Annual fee Rs 499 waived on Rs 50,000 spend in the anniversary year. UPI spends do not count towards joining rewards or the fee waiver. |
Rewards
| Welcome benefit | 500 bonus RP on Rs 5,000+ spend within 60 days of issuance |
|---|---|
| Reward currency | BOBCARD Reward Points |
| Base earn | 2 RP per Rs 150 |
| Base return | 0.33% |
| Point value | 1 Reward Point = Rs 0.25 as cashback |
| Accelerated earn | 24 RP per Rs 150 (4%) on HPCL fuel, LPG and HP Pay app purchases; 10 RP per Rs 150 on utilities and departmental stores; extra 1.5% as Payback points on HP Pay app fuel purchases |
| Caps | Each accelerated tier (24 RP and 10 RP per Rs 150) capped at 1,000 RP per statement; UPI spends max 500 RP per statement cycle |
| Spends that earn nothing | Select MCCs excluded. HP Pay wallet loads and HP Pay direct debit earn no accelerated RP and no surcharge waiver. Accelerated fuel rewards only at authorised HPCL outlets. |
| Points expiry | No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC) |
| Reward notes | base_return_pct = 2 RP x Rs 0.25 / Rs 150 = 0.33%. HPCL fuel returns 4% in RP (cap 1,000 RP = Rs 250 a statement, reached at Rs 6,250 of fuel) plus the 1% surcharge waiver. |
Travel and perks
| Domestic lounge | 4 per year (1 per quarter) at partner domestic lounges, primary cardholder |
|---|---|
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver on HPCL fuel transactions of Rs 400-5,000 only, cap Rs 100 per statement; the MITC's 1% fee on fuel transactions of Rs 10,000+ does not apply to this card |
| Other freebies | 25% off up to Rs 100 on 2+ Paytm Movies tickets, twice a month. No complimentary insurance (MITC). |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher |
| Eligibility | Indian resident, age 21-65. Non-BOB customers: salaried Rs 3.6 lakh, self-employed Rs 4.8 lakh annual income. BOB customers: Rs 2.4 lakh. |
| Fine-print notes | MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. |
Questions
- What is the annual fee of the Bank of Baroda HPCL Energie BOBCARD?
- Rs 499 a year, before GST. It is waived if you spend Rs 50,000 in a year.
- Does the Bank of Baroda HPCL Energie BOBCARD give airport lounge access?
- Yes. In India: 4 per year (1 per quarter) at partner domestic lounges, primary cardholder. Outside India: none listed.
- What is the forex markup on the Bank of Baroda HPCL Energie BOBCARD?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Bank of Baroda HPCL Energie BOBCARD?
- Select MCCs excluded. HP Pay wallet loads and HP Pay direct debit earn no accelerated RP and no surcharge waiver. Accelerated fuel rewards only at authorised HPCL outlets.