SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for fuel, hpcl, and grocery.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on fuel, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 50,000 of annual spend. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 12,000 |
| Fuelexcluded | Rs 3,000 | — |
| Groceries | Rs 5,000 | 4,000 |
| Utility bills | Rs 3,000 | 2,400 |
| Other spends | Rs 8,000 | 1,280 |
Categories marked excluded earn no rewards on this card.
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Fuel
24 Reward Points / ₹150
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| fuel | 24 Reward Points / ₹150 |
| utility bills, grocery, departmental stores | 10 Reward Points / ₹150 |
| retail | 2 Reward Points / ₹150 |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic airport lounge visits per year, limited to 1 visit per quarter.
Exclusions
Categories that earn no rewards on this card.
- fuel spends eligible for surcharge waiver do not earn reward points
- HP Pay direct payment mode is not eligible for listed fuel savings
- taxes and charges excluded as per BOBCARD terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 25% off up to Rs 100 on Paytm Movies on minimum 2 tickets per transaction
Additional details
- The headline 5% fuel-savings framing combines 24 reward points per Rs 150 at HPCL with the 1% fuel surcharge waiver on eligible HPCL fuel spends.
- Fuel savings also apply on eligible LPG purchases and HP Pay QR fuel transactions; direct payment mode on HP Pay does not qualify.
- HPCL additionally offers 1.5% cashback as Payback points on fuel purchases through the HP Pay app and a Rs 100 joining benefit on the first recharge of at least Rs 1,000.
Eligibility
Check this before you apply.
Salaried
- Resident Indian
- Age between 21 and 65 years
- Annual income of Rs 3.6 lakh or more
Self-employed
- Resident Indian
- Age between 21 and 65 years
- Annual income of Rs 4.8 lakh or more
Compare before you decide
Alternatives based on what you might want instead.