Discover How BOB HPCL Credit Card Fits Your Lifestyle

Are you a frequent traveler or someone who is constantly on the road? The BOB HPCL Credit Card might be the perfect match for your lifestyle. With rewards, fuel savings, and additional perks, this card offers something unique to make your daily commute or long drives more rewarding. Let’s dive into how this credit card can be a great companion on your adventures.

Introduction

The BOB HPCL Credit Card is more than just another credit card. Tailored specifically for those who are always on the go, this card comes with a host of benefits aimed at making fuel purchases easier on your wallet. From accelerated rewards on fuel to additional perks like fee waivers and discounts on entertainment, it’s designed to fit seamlessly into your daily routine. Whether you’re a commuter or a road trip enthusiast, this card is a must-have to fuel up with ease.

Why Choose BOB HPCL Credit Card?

Imagine earning rewards every time you fuel your vehicle! That’s exactly what the BOB HPCL Credit Card offers. It’s not just about convenience; it’s about maximizing the value of every transaction. You earn reward points on fuel purchases, and those points can be redeemed later for exciting benefits. Plus, the card offers attractive fuel surcharge waivers, saving you even more on your fuel expenses.

Benefits of Using the Card for Fuel Purchases

Earn accelerated reward points when you fuel up at HPCL stations.
Get a 1% fuel surcharge waiver on eligible transactions, making your fuel purchases more economical.
Use your card at HPCL retail outlets to earn up to 80 Litres of FREE fuel every year!

Information in Table format

Feature/Topic	Details	Real-Life Example
Why Choose BOB HPCL Credit Card?	Earn rewards on every fuel purchase with added benefits like fuel surcharge waivers and discounts.	A frequent traveler saves on fuel and earns rewards to redeem for free fuel or other perks.
Benefits of Using the Card for Fuel Purchases	– Accelerated reward points on HPCL fuel purchases.	A commuter earns points and saves on fuel each time they fill up at an HPCL station.
Fuel Surcharge Waiver	1% waiver on fuel surcharge at HPCL stations, capped at ₹100 per statement.	Over time, a driver reduces fuel costs with waived surcharges for multiple refuels during a month.
Joining and Annual Fees	– Joining fee: ₹499 – Annual fee waiver on meeting spending criteria.	A cardholder meets the spending threshold and enjoys a fee waiver, maximizing savings.
Eligibility Criteria	– Non-BOB salaried: Minimum ₹3.6 L annual income – Non-BOB self-employed: Minimum ₹4.8 L income	A self-employed business owner with ₹5 L annual income qualifies for the card and saves on fuel.
Mandatory Proof for Application	– Passport photo, PAN card, proof of address, income documents (salary slip/bank statement).	An applicant submits their PAN card and last two months’ bank statements to apply for the card.
Accelerated Reward Points	10 reward points for every ₹150 spent on HPCL fuel, capped at 1000 points per cycle.	A road trip enthusiast earns 1000 points after several fuel-ups and redeems them for free fuel.
Additional Benefits of HPCL ENERGIE	– Movie discounts via Paytm, Payback points on HP Pay app.	A cardholder gets discounted movie tickets for a family outing while continuing to save on fuel.
Using the BOB HPCL Credit Card for UPI	Earn core reward points on UPI transactions, capped at 500 per cycle, but no accelerated points.	A shopper uses UPI for fuel and utility payments, earning up to 500 core reward points each month.
How to Apply for the Card	– Online form submission, Aadhaar e-sign, video KYC process for verification.	An applicant completes the process online and is approved after video KYC, receiving the card quickly.
Income Proof for Application	– Salaried: Last 2 months’ bank statements. – Self-employed: Last 3 months’ business transactions.	A freelancer submits their business account statements to get approved for the BOB HPCL credit card.
Maximizing Rewards	Use the card primarily at HPCL for fuel, redeem points strategically, and use movie ticket discounts.	A regular commuter saves significantly by redeeming points for free fuel and enjoying entertainment discounts.

Joining and Annual Fees

The BOB HPCL Credit Card comes with an affordable fee structure. The joining fee is set at just ₹499, and if you meet certain spending milestones, your annual fee will be waived. This makes it an ideal choice for those who want to enjoy premium benefits without breaking the bank.

Eligibility Criteria for the BOB HPCL Credit Card

To apply for the BOB HPCL Credit Card, applicants must meet certain eligibility criteria. These differ slightly based on whether you’re an existing BOB customer or a new one:

Non-BOB Customers:
Salaried: Minimum annual income of ₹3.6 L
Self-Employed: Minimum annual income of ₹4.8 L
BOB Customers:
Salaried or Self-Employed: Minimum annual income of ₹2.4 L

Mandatory Proof for Application

When applying for the BOB HPCL Credit Card, you’ll need to provide certain documents. These include:

A recent passport-sized photograph
Your PAN card
Proof of permanent address (such as Aadhaar or Voter ID)
Proof of income (salary slips or bank statements)

This ensures a smooth application process and quick approval.

Fuel Surcharge Waiver

Fuel prices can fluctuate, but with the BOB HPCL Credit Card, you don’t need to worry about those pesky surcharges. You can enjoy a 1% fuel surcharge waiver on transactions, capped at ₹100 per statement. This might seem like a small saving, but over the course of the year, it can add up, making your fuel expenses lighter.

How It Works and Conditions

The surcharge waiver is only applicable at HPCL stations.
GST and other surcharges may still apply, as these are imposed by the acquiring bank.
Transactions using HP Pay Direct Debit and wallet loads are not eligible for the waiver.

Accelerated Reward Points on Fuel Purchases

Every time you fuel up using your BOB HPCL Credit Card, you earn 10 Reward Points for every ₹150 spent at HPCL outlets, with a cap of 1000 reward points per statement cycle. The best part? 1 Reward Point is worth ₹0.25, which means your rewards can quickly add up to real savings.

Additional Benefits of HPCL ENERGIE

Aside from fuel savings, the BOB HPCL Credit Card offers a range of additional perks through the HPCL ENERGIE program. These benefits include:

Movie Discounts: Get up to two discounted movie tickets each month via Paytm.
Payback Points: Earn Payback points on the HP Pay app, which can be redeemed for various rewards.
UPI Transaction Rewards: Even UPI transactions qualify for core reward points, with a cap of 500 reward points per statement cycle.

How to Apply for the BOB HPCL Credit Card

The application process for the BOB HPCL Credit Card is simple and can be completed digitally in just a few steps:

Fill out the online application form.
E-sign the application using your Aadhaar details.
Verify your identity through a video KYC process.

Income Proof Required for Application

You will need to submit the following documents to prove your income:

For salaried applicants: Bank statements reflecting salary credit for the last two months.
For self-employed applicants: Bank statements showing business transactions for the past three months.

BOB HPCL Credit Card for Self-Employed Individuals

Self-employed individuals can also benefit from this card, though they need to meet a slightly higher income threshold. With the right documentation, the card can offer significant fuel savings and rewards that make business expenses more manageable.

Using the BOB HPCL Credit Card for UPI Transactions

While UPI transactions can earn you core reward points, they are capped at 500 reward points per statement cycle. UPI transactions do not qualify for accelerated reward points, so keep that in mind if you’re trying to maximize your earnings.

How to Maximize Rewards with the BOB HPCL Credit Card

To get the most out of your BOB HPCL Credit Card, consider the following tips:

Use your card exclusively for fuel purchases at HPCL outlets to maximize reward points.
Take advantage of movie ticket discounts by booking through Paytm.
Redeem your reward points strategically to ensure you get the best value.

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Conclusion

The BOB HPCL Credit Card is an excellent option for frequent drivers who want to save on fuel while enjoying additional perks like movie discounts and reward points. Whether you’re a salaried employee or a self-employed individual, this card can help make your travels more rewarding, both literally and figuratively.

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FAQs

Is the BOB HPCL Credit Card worth it?

Yes! If you’re someone who frequently buys fuel, the rewards and fuel surcharge waivers make it an excellent choice.

Can I use the card at non-HPCL fuel stations?

Yes, but you won’t earn the same accelerated reward points that you get at HPCL stations.

What happens if I exceed the reward point cap?

Once you hit the cap, you will stop earning accelerated reward points for that statement cycle.

How do I redeem my points?

Reward points can be redeemed via the Payback platform or for specific rewards offered by the card.