Core Rewards :
  • 16% RP 12X reward points on HPCL fuel station & HP Pay App
  • 7% RP 5X reward points on grocery, utility bill payment and departmental store
  • 1.3% RP 2 Reward points per Rs. 150 spent
Milestone Rewards :
  • Monthly : N/A
  • Quaterly : N/A
  • Annual : N/A
No rewards on spends : Wallet loading
Rewards Redemption
How to Redeem :
  • Cashback in form of Statement Credit
Redemption options : Statement Cash
Redemption fee : Nil
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : 1 per quarter
  • International Lounge : N/A
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : N/A
  • Personal accidental insurance : N/A
  • Air accidental insurance : N/A
Other Benefits :
  • Lounge Membership : N/A
  • Memberships Available With Cards : N/A
  • Spa Benefits : N/A
Golf Benefits :
  • Lessons : N/A
  • Games : N/A
Joining fees : 499
Annual fees : 499
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.50%
Fee reversal criteria : Spend Rs. 50,000 in a year
Minimum age : 21
Minimum ITR : 4.8 Lakhs ITR
Minimum Salary : 3.6 Lakhs per year

BOB ENERGIE Credit Card Welcome Benefits

  • Welcome Benefits: Receive 2,000 Bonus Reward Points when you spend Rs. 5,000 or more within the first 60 days after paying the joining fee. Additionally, earn an extra 2,000 Bonus Reward Points if you spend Rs. 50,000 or more within 60 days of card issuance.
  • Explore premium choices in travel, clothing, footwear, and shopping.
  • Your gateway to luxury and rewards begins with this exclusive welcome offer.

BOB ENERGIE Credit Card Reward Points/Cashback

Earn rewards with BOB ENERGIE Credit Card:

  • 25% off on 2 movie tickets via Paytm movies.
  • 12X reward points on HPCL fuel stations.
  • 5X reward points on groceries and utilities.
  • Redeem points for cash or other options (1 RP = Rs. 0.25).
  • Complimentary airport lounge visits.
  • Zero Liability Protection for lost or stolen cards.

BOB ENERGIE Credit Card Reward Point Redemption

Redeem your BOB ENERGIE Credit Card rewards hassle-free:

  • Convert points into cashback for statement credit.
  • No redemption fee.
  • No transfer partners needed.
  • Redeem for a range of products on the BoB website.
  • 1 RP = Rs. 0.25 for cash redemption.

Pros of BOB ENERGIE Credit Card


Cons of BOB ENERGIE Credit Card


BOB ENERGIE Credit Card Benefits

  • 2,000 Reward Points for spending Rs. 5,000 in the first 60 days.
  • Rs. 100 cashback on the HP Pay app after your first Rs. 1,000 transaction.
  • Up to 5% fuel savings at HPCL pumps.
  • 25% movie ticket discount on Paytm Movies.
  • Complimentary domestic lounge access quarterly.
  • Renewal fee waiver on spending Rs. 50,000 annually.
  • Extra cashback through HP Pay app.
  • Reward points on various categories.
  • Bonus points for early spending.
  • 3 lifetime free add-on cards.
  • Travel, EMI, and more benefits.

BOB ENERGIE Credit Card Charges and Fee

  • Joining Fee: Rs. 499
  • Annual/Renewal Fee: Rs. 500 (waived on spending Rs. 50,000/yr)
  • Finance Charges: 3.49% p.m. (41.88% p.a.)
  • Late Payment Charges: Vary based on the outstanding balance.
  • No rewards redemption fee.
  • Foreign Currency Markup: 3.5%.
  • Fuel Surcharge: 1%.
  • Cash Advance Charges: 2.5% or Rs. 500 (whichever is higher).
  • No fee for add-on cards.

Frequently Asked Questions

  • Q: How can I apply for the BOB ENERGIE Credit Card?
    A: You can apply for the BOB ENERGIE Credit Card online through the BOB Card website or by visiting a BOB branch.
  • Q: What is the eligibility criteria for this card?
    A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with BOB for the specific criteria.
  • Q: Can I get my annual fee waived?
    A: Yes, the annual fee can be waived on annual spends of Rs. 50,000 or more.
  • Q: How do I redeem reward points?
    A: You can redeem reward points for various categories such as flight or hotel bookings, shopping, products, gift vouchers, and more. Each Reward Point holds a value of Re. 0.25, making it a valuable benefit. Redemption is hassle-free, with options like cashback as a statement credit, and there are no additional redemption fees.