BOB HPCL Credit Card 2025 – Updated Guide on Features & Benefits

Harshit, a salaried employee with a monthly income of ₹80,000, spends an average of ₹5,000 per month on fuel at HPCL petrol pumps.

With the BOB HPCL Credit Card, Harshit enjoys a 4% cashback on fuel transactions, amounting to ₹200 in monthly savings. Additionally, he benefits from a 1% fuel surcharge waiver, saving another ₹50 per month.

Using this card consistently, Harshit saves approximately ₹3,000 annually on fuel alone—a significant relief for his monthly budget.

This is just one example of how the BOB HPCL Credit Card helps users cut fuel costs while earning additional perks. Want to know how you can maximise these benefits? Scroll down and read this blog thoroughly!

This blog focuses on the BOB HPCL Credit Card's features, advantages, fees, and application procedure, assisting potential users in understanding its worth and how to take advantage of its services.

What is the Bank of Baroda (BOB) HPCL Credit Card?

The Bank of Baroda (BOB) HPCL Credit Card is a co-branded fuel credit card that provides several perks, particularly to customers who often buy petrol from Hindustan Petroleum Corporation Limited (HPCL) shops. This card is intended to help customers save money on gas while collecting points on other everyday purchases. With appealing cash-back incentives, accelerated reward points, and fuel levy exemptions, the BOB HPCL Credit Card is a fantastic alternative for fuel-conscious clients.

Features of BOB HPCL Credit Card

Example of benefits of BOB HPCL Credit Card

Following the features, some of the most lucrative benefits of this credit card are as follows:

1. Fuel Savings

One of the biggest advantages of this credit card is the fuel surcharge waiver and cashback on HPCL fuel purchases. Suppose Rohit spends ₹5,000 per month on fuel at HPCL outlets:

• 4% cashback on ₹5,000 = ₹200 per month (₹2,400 annually).
• 1% fuel surcharge waiver = ₹50 per month (₹600 annually).
• Total annual fuel savings = ₹3,000.

2. Reward Points Accumulation

For every ₹150 spent on fuel, groceries, and departmental store purchases, you earn 4 reward points. Assuming Samar has a monthly expenditure of ₹10,000 on these categories:

• Monthly reward points = (10,000/150) * 4 = 267 points.
• Annual reward points = 267 * 12 = 3,204 points.
• Redemption Value: 1 reward point ≈ ₹0.25, so 3,204 points = ₹801 worth of rewards.

3. Annual Fee Waiver

The card comes with an annual fee of ₹499, which is waived if you spend ₹50,000 or more per year. This makes it a zero-cost card for active users who meet the spending criteria.

For example, assume Priya has a credit card with a ₹499 annual fee. However, if she spends ₹50,000 in a year, the fee is waived.

Scenario:

Over the year, Priya has used her card for everyday expenses like:
✔ Groceries – ₹15,000
✔ Online Shopping – ₹20,000
✔ Dining & Entertainment – ₹10,000
✔ Utility Bills – ₹5,000

Total spent: ₹50,000, and thus Annual fee waived!

Since Priya meets the spending requirement, she enjoys all card benefits without paying the annual fee. 

BOB HPCL Credit Card Eligibility Criteria

To apply for the BOB HPCL Credit Card, applicants must meet the following requirements:

• Indian Resident
• Age: 21 to 65 years (Primary Cardholder). Above 18 years (Add-on Cardholder)
• Income Requirement: 

If a Non-BOB Customer:
• Salaried: Annual Income to be >= ₹3,60,000.
• Self-Employed: Annual Income to be >= ₹4,80,000.

If a BOB Customer:
• salaried or Self-Employed: Annual Income to be >= ₹2,40,000.

• Credit Score: Recommended CIBIL score of 700 or above.
  

How to Apply for a BOB HPCL Credit Card?

How to Apply for BOB HPCL Credit Card Online?

The Bank of Baroda HPCL Credit Card application procedure is easy and quick to complete online. You may finish your application at home at your convenience by following a few easy steps. We have included a detailed guide below to help you easily apply online and begin taking advantage of this credit card's gasoline and retail bonuses.

1. Visit the Official Website
   • Go to the Bank of Baroda Credit Card section.
   • Click on ‘Apply Now’ under the HPCL Credit Card category.
     
     
2. Fill in Personal Details
   • Enter your name, mobile number, email, and PAN card details.
     
     
3. Provide Employment Details
   • Select your employment type (salaried/self-employed).
   • Enter your annual income.
     
     
4. Submit KYC Documents
   • Upload scanned copies of Aadhaar Card, PAN Card, and Address Proof.
     
     
5. Verification Process
   • A Bank of Baroda representative will contact you for further verification.
     
     
6. Card Issuance
   • Upon approval, the credit card will be dispatched to your registered address within 7-10 working days.

How to Apply for BOB HPCL Credit Card Offline?

If you prefer to apply for the Bank of Baroda HPCL Credit Card through an offline method, you can visit a Bank of Baroda branch. Below is the step-by-step application process:

Step-by-Step Application Process:

1. Visit the Nearest Bank of Baroda Branch
   • Locate your nearest Bank of Baroda branch using the bank's website or customer service helpline.
     
     
2. Request a Credit Card Application Form
   • Approach the bank representative and ask for the BOB HPCL Credit Card application form.
     
     
3. Fill in the Application Form
   • Provide your details, including name, contact number, PAN card details, and employment status.
   • Enter your financial information, such as income details and existing credit card (if any).
     
     
4. Attach Required Documents
   • Submit the necessary KYC (Know Your Customer) documents, such as:
     • Identity Proof (Aadhaar Card, PAN Card, Passport, Voter ID, etc.)
     • Address Proof (Utility Bill, Aadhaar Card, Rent Agreement, etc.)
     • Income Proof (Salary Slip, ITR, Bank Statement)
       
       
5. Submit the Application Form
   • Hand over the filled application form and attached documents to the bank representative.
     
     
6. Verification Process
   • The bank will verify your details and credit score before processing the application.
   • A representative may contact you for additional verification.
     
     
7. Approval and Dispatch
   • Upon successful verification and approval, your BOB HPCL Credit Card will be dispatched to your registered address within 7-10 working days.
   • You will receive an SMS or email notification about the status of your application.
     
     
8. Card Activation
   • Once you receive the credit card, activate it by calling Bank of Baroda customer care or using net banking.

BOB HPCL Credit Card Fees & Charges

How to Redeem Reward Points?

Steps to Redeem:

1. Log in to the Bank of Baroda Rewards Portal.
2. Select the ‘Redeem Points’ option.
3. Browse through the available redemption options, including:
   • Fuel purchases at HPCL outlets.
   • Shopping vouchers.
   • Bill payments.
   • Air miles.
4. Choose your preferred redemption method.
5. Confirm and complete the transaction.

Example of Reward Redemption:

If you accumulate 5,000 reward points, and each point is worth ₹0.25, you can redeem:

• ₹1,250 worth of HPCL fuel vouchers.
• ₹1,250 in shopping vouchers.

Conclusion

The BOB HPCL Credit Card is a fantastic option for individuals who frequently purchase fuel at HPCL outlets. With up to 4% cashback, a 1% fuel surcharge waiver, and reward points on everyday spending, this card helps customers save highly on fuel and other essential expenses. Additionally, the card is cost-effective and rewarding with the annual fee waiver on spending ₹50,000 or more.

For those looking for a fuel-centric credit card with added benefits on other essentials, the BOB HPCL Credit Card is an excellent choice!

Frequently Asked Questions Related to BOB HPCL Credit Card

1. Can I use the BOB HPCL Credit Card at non-HPCL outlets?

Yes, you can use the card for all transactions, but the fuel cashback benefits are only applicable at HPCL outlets.

2. How does the fuel surcharge waiver work?

The 1% surcharge waiver is applicable on fuel purchases made at HPCL petrol pumps for transactions between ₹400 and ₹5,000.

3. How can I check my reward points balance?

You can check your reward points balance via:

• The BOB Credit Card app.
• Bank of Baroda's customer service helpline.
• Monthly credit card statements.

4. Is there an expiry date for reward points?

Yes, reward points are valid for 2 years from the date of accrual.

5. Can I convert my transactions into EMIs?

Yes, transactions above ₹2,500 can be converted into EMIs with tenure options of 3, 6, 9, 12, 18, and 24 months.

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