HPCL BOB Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Bank of Baroda
Network: Visa | Tier: Mid-Range
Fuel savings
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
Drawbacks of the HPCL BOB Credit Card
- Niche
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:
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
Expert Rating: 4.4/5