HPCL BOB Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Bank of Baroda
Network: Visa | Tier: Mid-Range
The HPCL BOB Credit Card is a Mid-Range Visa credit card issued by Bank of Baroda, best suited for fuel users. It carries a joining fee of ₹499, with an interest rate of 3.49% per month. Key benefits include Fuel savings and 5% fuel cashback. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 5% fuel. Applicants typically need ₹2,00,000/year to qualify. It falls under the Fuel category on CreditCardHunt.
Affiliate disclosure: some links on this page are affiliate links and CreditCardHunt.in may earn a commission if you apply. It does not change our ratings or recommendations and costs you nothing extra. Full disclosure.
Why Choose the HPCL BOB Credit Card?
The HPCL BOB Credit Card is a Mid-Range-tier Visa credit card issued by Bank of Baroda, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Fuel users. With a reward rate of 5% fuel cashback and an annual fee of ₹499, it ranks among the popular Fuel cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the ₹499 joining fee.
HPCL BOB Credit Card Fees & Charges
| Annual Fee | ₹499 |
|---|---|
| Joining Fee | ₹499 |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 5% fuel |
HPCL BOB Credit Card Rewards & Benefits
| Reward Rate | 5% fuel cashback |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Fuel users |
Key Highlights of the HPCL BOB Credit Card
- Fuel savings
- 5% fuel cashback
HPCL BOB Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the HPCL BOB Credit Card
- Fuel cashback — a genuine plus for anyone eyeing this mid-range card.
Drawbacks of the HPCL BOB Credit Card
- Niche — worth weighing before you apply.
HPCL BOB Credit Card — Frequently Asked Questions
What is the annual fee of the HPCL BOB Credit Card?
The HPCL BOB Credit Card has an annual fee of ₹499 and a joining fee of ₹499. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the HPCL BOB Credit Card offer airport lounge access?
No, the HPCL BOB Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the HPCL BOB Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the HPCL BOB Credit Card?
The HPCL BOB Credit Card earns 5% fuel cashback. It is best suited for Fuel users.
Credit Cards Similar to the HPCL BOB Credit Card
If you are considering the HPCL BOB Credit Card, these fuel credit cards are worth comparing before you apply:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- BPCL SBI Card Octane by SBI Card — rated 4.8/5, ₹1,499 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
- Browse all 100+ credit cards — filter by bank, fee, and reward type.
- Compare cards side by side — fees, rewards and benefits in one table.
- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.4/5