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Features of Bank of Baroda BOB Financial HPCL SuperCard

  • Fuel Rewards: Earn 24 reward points per Rs. 150 spent on fuel at HPCL fuel stations, translating to approximately 6.5% savings (assuming 1 reward point = Rs. 0.25). This benefit positions the card as one of the top fuel credit cards for regular drivers.
  • Fuel Surcharge Waiver: Avail a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at HPCL pumps, capped at Rs. 400 per billing cycle. This directly lowers your fuel costs, benefiting daily commuters and those with travel-heavy routines.
  • Lifestyle Benefits: The card also offers accelerated reward points on grocery and everyday spending categories, ensuring that users earn faster rewards across regular purchases. It’s designed for urban professionals looking to combine fuel efficiency with lifestyle perks.
Bank of Baroda Premier Credit Card
    • Grocery and Department Store Rewards: The card provides 10 reward points for every Rs. 150 spent on groceries and department stores, offering approximately 2.5% value back. This feature caters to household shoppers and small businesses, making the Bank of Baroda HPCL SuperCard versatile for everyday spending.
      Capped Rewards: Rewards on groceries and department stores are capped at 2,000 reward points per billing cycle, ensuring controlled but substantial earnings for regular shoppers. This cap balances the card’s reward structure while encouraging diverse spending.
    • Welcome Benefits: Joining Bonus: New cardholders receive 2,000 bonus reward points upon spending Rs. 5,000 or more within 60 days of card issuance, equivalent to Rs. 500 in value. This welcome offer incentivizes early usage and introduces users to the card’s reward system.

      First-Year Fee Waiver: The card’s joining fee of Rs. 499 (plus GST) is accompanied by a first-year annual fee waiver if the cardholder spends Rs. 50,000 within the first year. This feature makes the card cost-effective for active users.
    • Interest-Free Credit Period: Up to 50 Days Interest-Free: The Bank of Baroda HPCL SuperCard offers an interest-free credit period of up to 50 days on purchases, provided the outstanding balance is paid in full by the due date. This feature allows cardholders to manage short-term expenses, such as fuel or groceries, without incurring interest charges.

      Competitive Interest Rate: For unpaid balances, the card charges an interest rate of 3.5% per month (42% annually), which is standard for fuel credit cards. Timely repayments are essential to maximize savings and avoid high interest costs.
    • Contactless Payments: Seamless Transactions: The card supports contactless payments, enabling quick and secure transactions at fuel stations, grocery stores, and retail outlets. This feature enhances convenience for busy professionals and commuters, aligning with modern payment trends.
    • Global Acceptance: VISA Network: As a VISA-powered card, the Bank of Baroda HPCL SuperCard is accepted worldwide, making it suitable for international fuel purchases or online shopping. A foreign exchange markup fee of 3.5% applies to overseas transactions, a standard charge for global usability.

      Online Compatibility: The card is compatible with e-commerce platforms, allowing cardholders to earn rewards on online grocery or department store purchases, further enhancing its versatility as a BOB Financial credit card.
    • Fraud Protection: Zero Liability Protection: In case of card loss or theft, the card offers zero liability protection for fraudulent transactions up to Rs. 75,000, provided the loss is reported within seven days. This feature ensures cardholders are safeguarded against unauthorized usage, fostering trust in the card.
    • Add-On Cards: Family and Employee Access: The card allows add-on cards for family members or employees at no additional cost, with customizable spending limits. This feature enables shared benefits, such as fuel rewards, while maintaining control over expenses, ideal for households or small businesses.
    • Digital Banking Integration: BOB Financial App: Cardholders can manage the Bank of Baroda HPCL SuperCard via the BOB Financial mobile app or net banking platform. Features include transaction tracking, bill payments, and reward redemption, making it a tech-savvy fuel credit card.

      E-Statements: Monthly e-statements provide detailed breakdowns of fuel, grocery, and other spends, helping cardholders monitor expenses and optimize reward earnings. This transparency supports effective financial management.
    • Fees and Charges: Joining and Annual Fees: The card has a joining fee of Rs. 499 (plus GST) and an annual fee of Rs. 499 (plus GST), waivable if annual spends exceed Rs. 50,000. These fees are competitive for a co-branded fuel card, ensuring affordability for frequent users.

      Other Charges: Additional fees include a 2.5% cash advance fee (minimum Rs. 300) for ATM withdrawals and a late payment fee ranging from Rs. 100 to Rs. 1,000, based on the outstanding balance. These charges encourage responsible usage.
    • Dedicated Fuel Card Support: The bank provides specialized support for HPCL SuperCard holders, including assistance with fuel reward tracking or surcharge waiver issues, enhancing user satisfaction.
Premier Card Benefits

Benefits of the BOB Financial HPCL SuperCard

  • 1. Fuel Cost Savings:
    • High Fuel Rewards: The 24 reward points per Rs. 150 spent on fuel at HPCL pumps translate to approximately 6.5% savings, a significant benefit for frequent drivers or businesses with fleet operations. This makes the Bank of Baroda HPCL SuperCard a leading fuel credit card for reducing transportation costs.
    • Fuel Surcharge Waiver: The 1% fuel surcharge waiver, capped at Rs. 400 per billing cycle, reduces the cost of fuel purchases at HPCL pumps. For cardholders spending Rs. 40,000 monthly on fuel, this waiver can save up to Rs. 4,800 annually, enhancing financial efficiency.
  • 2. Grocery and Shopping Savings:
    • Rewarding Everyday Spends: Earning 10 reward points per Rs. 150 on groceries and department stores (approximately 2.5% value) benefits households and small businesses managing regular expenses. With a cap of 2,000 points per cycle, cardholders can save significantly on monthly shopping.
    • Flexible Reward Redemption: Reward points can be redeemed for fuel vouchers, merchandise, or statement credits via the BOB Financial rewards portal, allowing cardholders to offset grocery or fuel expenses. This flexibility maximizes the card’s value for diverse spending needs.
    • Grocery and Shopping Savings: Earning 10 reward points per ₹150 on groceries and department stores benefits households and small businesses managing regular expenses.
    • Flexible Reward Redemption: Reward points can be redeemed for fuel vouchers, merchandise, or statement credits via the BOB Financial rewards portal, allowing cardholders to offset grocery or fuel expenses.
    • Financial Flexibility: The up to 50 days interest-free period enables cardholders to defer payments for fuel, groceries, or other purchases, freeing up cash for other expenses.
    • Affordable Fees: The joining fee of ₹499 and annual fee of ₹499 make the card cost-effective for active users. The first-year fee waiver upon spending ₹50,000 further enhances affordability, a key credit card benefit.
    • Welcome Perks: The 2,000 bonus reward points upon spending ₹5,000 within 60 days incentivize early usage and provide immediate value, such as free fuel. This welcome offer sets the card apart in the fuel card category.
    • Enhanced Security: The zero liability protection up to ₹75,000 for fraudulent transactions ensures cardholders are safeguarded against unauthorized usage, particularly for online or fuel pump transactions.
    • Contactless Payment Safety: Contactless payments offer secure, encrypted transactions, reducing the risk of card skimming at fuel stations or retail outlets. This convenience is a significant benefit for safety-conscious users.
    • Lifestyle Convenience: The high reward rate on groceries and department stores supports urban lifestyles, enabling cardholders to save on household essentials or retail purchases.
    • Global Usability: The card’s global acceptance via the VISA network ensures cardholders can use it for international fuel or grocery purchases. The 3.5% markup fee is a minor trade-off for global versatility.
    • Family and Business Benefits: Add-on cards for family members or employees extend fuel and grocery rewards to others, with customizable limits. Add-on card spends also contribute to the primary cardholder’s reward points.
    • Digital Management: The BOB Financial app allows cardholders to track fuel and grocery spends, pay bills, and redeem rewards. Detailed e-statements help monitor spending and optimize reward earnings.
    • Fuel-Specific Support: Dedicated assistance for HPCL-related queries, such as surcharge waivers or fuel reward tracking, enhances the card’s usability for fuel-focused users.
    • Credit Building: Timely repayments help cardholders build a strong credit profile. For those with limited credit history, the card can be availed against a fixed deposit (minimum ₹15,000), helping build financial reputation.
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How to Apply for Bank of Baroda HPCL SuperCard

  • Online Application Process:
    • Visit the BOB Financial website and go to the “Credit Cards” section.
    • Select the HPCL SuperCard and click on “Apply Now.”
    • Fill in personal, employment, and financial details.
    • Upload scanned copies of necessary documents (PDF/JPEG, max 2MB).
    • Complete Aadhaar-based e-signature and schedule Video KYC.
    • Submit the form and note down the Application ID for tracking.
  • Offline Application Process:
    • Visit the nearest Bank of Baroda branch and request the HPCL SuperCard form.
    • Fill the form manually and attach self-attested copies of KYC/income docs.
    • Submit to a branch executive and collect your application reference number.
    • Carry originals for in-person document verification.
  • Application via Customer Care:
    • Call BOB Financial customer care to initiate the application process.
    • Provide basic details and schedule document pickup or branch visit.
    • Use this option if you prefer assistance through phone guidance.
  • Tracking Application Status:
    • Visit the BOB Financial website or mobile app and enter Application ID or PAN.
    • You’ll receive real-time updates via SMS/email.
    • Alternatively, visit a branch or call customer care with your Application ID.
  • Post-Approval Steps:
    • Your card will be delivered within 10–15 days after approval.
    • Activate the card through the BOB Financial app, website, or customer care.
    • Make a fuel transaction of ₹5,000 within 60 days to earn 2,000 bonus reward points.
    • Register for online banking to manage the card and rewards effectively.
  • Tips for a Successful Application:
    • Maintain a CIBIL score of 750+ and low credit utilization.
    • Ensure document clarity and consistency with application details.
    • Submit a complete application to avoid verification delays.
    • Prefer fixed deposit-backed applications if income eligibility is not met.
    • Use the same mobile number linked to Aadhaar for OTP and KYC verification.

Eligibility Criteria for Bank of Baroda HPCL SuperCard

  • 1. Age Requirements
    • Primary Cardholder: Must be between 21 and 65 years old.
    • Add-On Cardholders: Minimum age 18 years; no upper age limit specified.
  • 2. Residential Status
    • Applicants must be residents of India with a verifiable Indian address.
    • NRIs may not be eligible unless additional specific criteria are met.
  • 3. Employment Status
    • Salaried Individuals: Must be employed with a recognized private or public sector organization.
    • Self-Employed: Includes professionals, freelancers, and business owners with proof of steady income.
  • 4. Income Criteria
    • Existing BoB Customers: Minimum gross annual income of ₹2.4 lakh (₹20,000 per month).
    • New Customers: Minimum gross annual income of ₹3 lakh (₹25,000 per month).
    • Income Documents: Salary slips, Form 16, ITR, or audited financials may be required.
  • 5. Creditworthiness
    • Preferred Credit Score: 750 or above (CIBIL or equivalent).
    • Positive repayment history, low credit utilization, and minimal recent credit inquiries are preferred.
  • 6. Debt-to-Income Ratio
    • Lower debt-to-income ratio (ideally below 40%) is favorable for approval.
  • 7. Financial Documentation
    • Consistency in documents like salary slips, bank statements, and ITRs is essential.
    • Discrepancies may delay or affect approval.
  • 8. Existing Relationship with Bank of Baroda
    • Existing savings, FD, or loan account holders may receive preference.
    • May qualify for relaxed criteria or faster processing.
  • 9. Location-Based Eligibility
    • Card availability may be limited to locations with HPCL and BoB collaboration.
  • 10. Default History
    • Applicants with past loan or credit defaults may be ineligible.
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Documents Required for Bank of Baroda BOB Financial HPCL SuperCard

  • 1. Identity Proof (Any One):
    • PAN Card: Mandatory for linking to tax records and financial transactions.
    • Aadhaar Card: Widely accepted identity proof issued by UIDAI.
    • Voter’s ID Card: Valid government-issued identity proof.
    • Passport: Valid Indian passport, especially for applicants with travel history.
    • Driving License: Issued by RTO, valid with clear details and photo.
    • Overseas Citizen of India (OCI) Card: Accepted for Indian residents with OCI status (subject to bank discretion).
  • 2. Address Proof (Any One, Recent):
    • Aadhaar Card: If not used as identity proof, can serve as address proof.
    • Voter’s ID Card: With current residential address.
    • Passport: Showing current address.
    • Driving License: Including current address.
    • Utility Bills: Electricity, water, or gas bills not older than 3 months.
    • Rental Agreement: Registered agreement with applicant’s name and address.
    • Bank Statement: Recent statement (not older than 3 months) with address.
  • 3. Income Proof:
    • For Salaried Individuals:
      • Last 3 months’ salary slips with details.
      • Bank statements reflecting salary credits for last 3–6 months.
      • Latest Form 16 from employer.
      • Employment letter confirming job and salary (if required).
    • For Self-Employed Individuals:
      • Income Tax Returns (ITR) for last 2 years.
      • Audited financial statements (P&L and balance sheets).
      • Business registration proof (GST certificate, shop license, etc.).
      • Bank statements showing regular business income.
  • 4. Photographs:
    • Two to four recent passport-sized photographs.
    • Clear images with plain background, taken within last 6 months.
  • 5. Application Form:
    • Duly filled and signed Bank of Baroda credit card application form.
    • Must include accurate personal, employment, and financial details.
  • 6. Additional Documents (If Applicable):
    • Existing Bank of Baroda Customers: Savings account statement, FD receipt, or loan account details.
    • Add-On Cardholders: Identity and age proof of add-on cardholder.
    • Supplementary Income Proof: Rental agreements, investment statements, etc.
  • 7. Document Submission Process:
    • Submit scanned copies during online application.
    • Physical copies may be required for branch verification.
    • Ensure documents are legible, valid, and up-to-date.

Factors Influencing Approval of Bank of Baroda BOB Financial HPCL SuperCard

  • Credit Score and History:

    A credit score of 750 or above is typically required, indicating strong financial responsibility. Components affecting this include:

    • Payment History: Timely repayment of loans, credit card bills, and EMIs boosts approval chances. Late payments or defaults can cause rejection.
    • Credit Utilization: Keeping utilization below 30% demonstrates prudent credit management.
    • Credit Mix: A healthy balance of secured and unsecured credit positively impacts approval.
    • Length of Credit History: Longer credit history gives the bank more data to assess reliability.
    • Recent Credit Inquiries: Multiple credit applications within a short period may raise concerns.
  • Income Stability:

    Stable income is essential to ensure the applicant can meet monthly payments:

    • Salaried Applicants: Preferably employed with a reputed organization, with at least one year of tenure, and regular salary credits preferably through Bank of Baroda.
    • Self-Employed Applicants: Should have at least two years of continuous business with consistent income reflected in bank statements or tax returns.
  • Debt-to-Income (DTI) Ratio:

    The ideal DTI ratio is below 40%, calculated as total monthly debt payments divided by monthly income. A lower DTI indicates better financial health and increases approval chances.

  • Existing Relationship with Bank of Baroda:

    Customers with savings accounts, fixed deposits, or loan history may receive preferential treatment, including possible pre-approved offers.

  • Documentation Quality:

    Complete, accurate, and valid documents are critical. Mismatched or incomplete documents can delay or lead to rejection.

  • Employment and Residential Stability:

    Long-term employment and residing at the same address for at least one year improve the applicant’s credibility.

  • Verification Process:

    Bank of Baroda may conduct telephonic, document, or physical verification. Failure in verification may cause rejection regardless of eligibility.

  • Card-Specific Factors:

    The BOB Financial HPCL SuperCard is designed for fuel benefits:

    • Fuel Spending Patterns: Regular fuel users may be prioritized.
    • Geographical Availability: Applicants in areas with fewer HPCL outlets may face stricter scrutiny.
    • Card Usage Intent: The bank assesses if the applicant’s spending aligns with the card’s reward structure.
  • External Economic Factors:

    Macroeconomic conditions such as inflation, RBI regulations, or economic downturns can affect approval criteria, often tightening lending standards.

Frequently Asked Questions (FAQs) - Bank of Baroda (BOB) Financial HPCL SuperCard

1. What is the BOB Financial HPCL SuperCard?
It is a co-branded fuel credit card offered by BOB Financial in partnership with HPCL (Hindustan Petroleum Corporation Limited). It provides fuel-related benefits, rewards, and discounts on HPCL fuel purchases.
2. What are the key benefits of this card?
  • Fuel surcharge waiver (usually 1% waived on HPCL fuel transactions).
  • Reward points on fuel and non-fuel spends.
  • Discounts at HPCL outlets.
  • Contactless payments via NFC technology.
3. Is there an annual fee for this card?
Yes, the card may have an annual fee, but it is often waived off if you meet certain spending criteria (e.g., spending a minimum amount per year).
4. How do I earn reward points?
You earn points on:
  • HPCL fuel spends (e.g., 4 points per ₹150 spent).
  • Other spends (e.g., 1 point per ₹100 spent).
Points can be redeemed for fuel vouchers, gift vouchers, or statement credits.
5. Is there a fuel surcharge waiver?
Yes, typically 1% fuel surcharge is waived at HPCL petrol pumps (subject to minimum transaction value, e.g., ₹400).
6. Where can I use this card?
Accepted at HPCL petrol pumps nationwide and anywhere Visa/Mastercard is accepted (depending on the variant).
7. What is the credit limit on this card?
The limit varies based on your credit profile, income, and Bank of Baroda’s assessment.
8. How can I apply for the HPCL SuperCard?
You can apply:
  • Online via BOB Financial’s website.
  • Through HPCL petrol stations.
  • Via Bank of Baroda branches.
9. What is the interest rate on unpaid dues?
Typically ranges between 3%–3.5% per month (~36–42% annually), depending on the card terms.
10. How can I redeem reward points?
Log in to BOB Financial’s rewards portal and redeem points for:
  • HPCL fuel vouchers.
  • Gift cards (Amazon, Flipkart, etc.).
  • Statement credit against purchases.

List of Bank of Baroda BOB Financial HPCL SuperCard Branches in Karnataka

  • Karnataka - Bangalore - Mathikere Branch
  • Karnataka - Bangalore - Mysore Road Branch
  • Karnataka - Bangalore - Nagarbhavi Branch
  • Karnataka - Bangalore - Old Airport Road Branch
  • Karnataka - Bangalore - Outer Ring Road Branch
  • Karnataka - Bangalore - R.T. Nagar Branch
  • Karnataka - Bangalore - Rajajinagar Branch
  • Karnataka - Bangalore - Ramamurthy Nagar Branch
  • Karnataka - Bangalore - Richmond Road Branch
  • Karnataka - Bangalore - Sahakar Nagar Branch
  • Karnataka - Bangalore - Sanjay Nagar Branch
  • Karnataka - Bangalore - Sarjapur Road Branch
  • Karnataka - Bangalore - Sheshadripuram Branch
  • Karnataka - Bangalore - Shivajinagar Branch
  • Karnataka - Bangalore - Ulsoor Branch
  • Karnataka - Bangalore - Vasanth Nagar Branch
  • Karnataka - Bangalore - Vidyaranyapura Branch
  • Karnataka - Bangalore - Vijayanagar Branch
  • Karnataka - Bangalore - Whitefield Branch
  • Karnataka - Bagalkot Branch