# HPCL Energie BOBCARD

Bank of Baroda (BOBCARD) · RuPay. ₹499 fee · 3.5% forex · 2 RP/₹150 general (₹0.25/RP) · UPI earn capped at 500 RP/cycle.

✓ official · checked 16 July 2026 · Source: https://media.bobcard.co.in/media/zmii1hdo/hpcl-card-leaflet-a5_web.pdf

## How it earns (3)

- 2 RP/₹150 general (₹0.25/RP) · UPI earn capped at 500 RP/cycle · ✓ official · checked 10 July 2026
- 24 RP/₹150 (4%) at HPCL outlets and HP Pay app fuel, cap 1,000 RP/statement · plus 1% surcharge waiver, capped at ₹100/statement (up to 5% in all) · HP Pay wallet loads and Direct Debit do not qualify · from 15 Jul 2026 both apply only at listed HPCL outlets · cap 1,000 points per statement cycle · ✓ official · checked 16 July 2026
- 10 RP/₹150 (2%) utility + dept stores, cap 1,000 RP/statement · cap 1,000 points per statement cycle · ✓ official · checked 10 July 2026

## On gift vouchers

- ₹33 back on a ₹10,000 voucher bought direct. · 2 RP/₹150 general (₹0.25/RP) · UPI earn capped at 500 RP/cycle
- Vouchers for Blinkit, Burger King India, Acko Insurance, BYJU'S and 31 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on wallet loads · HP Pay wallet loads also excluded from the 5% fuel savings and surcharge waiver
- No RP: railways, wallet, supermarkets, fast food, insurance, govt, education, rent and similar · HPCL fuel is the exception

## Lounges (1)

- 1 domestic visit a quarter at 17 lounges, after ₹20,000 spent the previous quarter, with a ₹2 authorisation charge. · Domestic · domestic · 4 per year · checked 10 July 2026

## Fees

- Annual fee: ₹499 + GST
  Waived at ₹50,000 spend per card year
- Forex markup: 3.5%
- DCC markup: Not published
- Earns: BOBCARD Reward Points · ₹0.25 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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