HPCL Bank of Baroda ENERGIE Credit Card

The Bottom Line

Great for Fuel Refill

24 Reward Points / ₹150 on fuel purchase at HPCL, 10 Points on utility bils, departmental stores & grocery and 2 Points on all other spends.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	1.0%	1.0%	0.8%	0.7%	0.5%
Est. Monthly Reward (₹)	45	95	165	365	500
All-India Rewards Rank*	29	62	100	178	226
Within Bank Rank*	3	4	9	11	13
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The HPCL Bank of Baroda ENERGIE Credit Card gives 1.67% effective rewards on grocery, departmental stores & utility bills and 0.3% on all other spending. Fuel purchases at HP stations earn 4% effective rewards.

We estimate you can earn a net reward yield of 0.5-1.0% on all your spending with this card.

We think the Snapdeal BoB Credit Card is the best card for most Bank of Baroda Card customers. It gives effective rewards of 5% for all purchases on the Snapdeal website & app and also gives 2.5% effective rewards on grocery and shopping.

We estimate this card gives a net reward yield of 1.2% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	HPCL Bank of Baroda ENERGIE Credit Card
Card Type	Reward
Reward Features	24 Reward Points / ₹150 on Fuel Purchase at HPCL 10 Reward Points / ₹150 on: – Utility Bill Payments – Departmental Stores – Grocery 2 Reward Points / ₹150 on all other spends
Milestone Rewards	Nil
Other Rewards	– 1 Complimentary Domestic Airport Lounge visits / Qtr – 25% off up to 100 on 2 Movie Tickets purchase at Paytm
Rewards Redemption Fee	₹99
Reward Caps	1,000 reward points p.m. on grocery, departmental stores & fuel
Preferred Redemption Method	Reward Points on payback.in website @ ₹0.25/reward point

Fees & Charges

Card		HPCL Bank of Baroda ENERGIE Credit Card
Joining Fee		₹499 + Taxes
Annual Fee		₹499 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹50,000
Income Criteria	Salaried	₹3.6 Lacs p.a.
Income Criteria	Self-employed	₹4.8 Lacs p.a.
Supplementary Card Fee		Free ( 3 Cards)
Interest Rate		41.88%
Foreign Currency Markup		3.49%
Cash Advance Charge		2.50% transaction amount minimum of ₹300