BOBCARD (Bank of Baroda) · Entry
HPCL Energie
Where it ranks across all 187 cards
#13 Utility bills
1.7%
direct
#26 Fuel
0.3%
direct
#59 EMI
0.3%
direct
#111 Jewellery & watches
0.3%
direct
#115 Gaming
0.3%
direct
#123 Mobile / broadband
0.3%
direct
#131 Train tickets
0.3%
direct
#139 Cabs & transit
0.3%
direct
#148 Flights
0.3%
direct
#148 Hotels
0.3%
direct
#148 Health & pharmacy
0.3%
direct
#149 Other
0.3%
direct
#151 Electronics
0.3%
direct
#154 Dining out
0.3%
direct
#154 Movies & events
0.3%
direct
#155 Food delivery
0.3%
direct
#156 Online shopping
0.3%
direct
#157 Fashion
0.3%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.33%base rate
2 pts / ₹150
source
Source: BOBCARD HPCL Energie - bobcard.co.in - read 30 Sep 2026
24 pts / Rs 150 at HPCL pumps
4.00%this rule
24 pts / ₹150
source
Source: BOBCARD HPCL Energie - bobcard.co.in - read 30 Sep 2026
10 pts / Rs 150 on utility and departmental store spends
1.67%this rule
10 pts / ₹150
how it works & source
Same 10 pts/150 rate also applies to departmental-store spends (MCC 5311); no matching category in this schema for that leg.
Source: BOBCARD HPCL Energie - bobcard.co.in - read 30 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Groceries, Government / tax, Education, Rent, Wallet load, Insurance · FASTag recharge, IRCTC (train tickets)
earns nothing
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
→ use FIRST Private here (6.6%)
detail & source
categories: Groceries, Government / tax, Education, Rent, Wallet load, Insurance · merchants: FASTag recharge, IRCTC (train tickets) · MCCs: 0763, 0780, 0820, 0821, 0822, 0823, 0824, 0825, 1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 4111, 4112, 4131, 4784, 4789, 6513, 7349, 7211, 7230, 7276, 8111, 8641, 9211, 9222, 9311, 9399, 9402, 9405, 8211, 8220, 8241, 8244, 8249, 8299, 8011, 8062, 6539, 6540, 6541, 6542, 6543, 5261, 5331, 5411, 5499, 5960, 6300, 8398, 8661, 5814
Source: BOBCARD Product Features - Important Terms & Conditions - media.bobcard.co.in - read 30 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.