HPCL ENERGIE BOBCARD Credit Card: rewards, caps and exclusions

What it earns

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Fuel (since 15 July 2026)
• Rent
• Wallet loads
• Government payments
• Education fees
• Insurance premiums
• Railway bookings
• Tolls
• Cash withdrawals and fees

What costs extra

Worse than earning nothing: Bank of Baroda charges a fee for these.

• 1% on Processing Fee on Rent Payments, plus GST
• 1% on Processing Fee on Wallet Loading Transactions, plus GST

Fees

• Annual fee: ₹499, plus 18% GST
• Joining fee: ₹499
• Annual fee waived on ₹50,000 of spend in a card year

Welcome benefit: 500 joining bonus RP on ₹5,000 spend within 60 days on paying the joining fee and spending ₹5,000 within 60 days.

Where this comes from

Transcribed from Bank of Baroda's own documents and checked against them on 9 October 2026:

• product page, bobcard.co.in
• Product Features, media.bobcard.co.in (PDF)
• consolidated MITC, media.bobcard.co.in (PDF)
• 15 Jul 2026 notice, media.bobcard.co.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Bank of Baroda's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

We know this card's rules, but we don't read Bank of Baroda's mail yet, so the audit can't check your swipes on it. Which banks we read

Other Bank of Baroda cards

Every card we have rules for