Bank of Baroda Fuel Credit Cards in India 2026

6.50% earning on fuel (petrol, diesel and LPG) purchases
■ 4% cashback on HPCL fuel purchases
– You earn 16 reward points worth ₹4, on every ₹100 you spend at HPCL pumps
– This is valid only on HPCL fuel purchases of upto ₹6250 per month, since accelerated reward points are restricted to 1000 reward points per month.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.
■ Additional 1.50% benefit on HPCL fuel purchases through HP Pay App
– You earn additional 6 Payback points worth ₹1.50 , on every ₹100 you spend at HPCL fuel outlets through your HP Pay app.
– This benefit is restricted to monthly fuel purchases upto ₹5000 per month
– 1 Payback point = ₹0.25 or 25 paise.
■ 1% fuel surcharge waiver at all fuel stations, upto ₹100 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per month).

1.66% benefit on utilities, groceries & department store spends 
– You earn 6.66 reward points worth ₹1.66, on every ₹100 you spend in these categories
– This is valid only on total monthly spends upto ₹15000 across these categories, since accelerated reward points are restricted to 1000 reward points per month.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.

0.33% benefit on all other card purchases 
– You earn 1.33 reward points worth ₹0.33 (33 paise), on every ₹100 you spend on all other purchases
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.

Complimentary airport lounge access in India – 1 time per quarter

25% movie benefit at Paytm Movies, upto ₹200 per month 
– This offer can be availed 2 times per month.
– You need to do a transaction of minimum 2 tickets. You get a 25% discount, upto maximum ₹100 discount per transaction.
– Hence you get a 25% discount on a ticket purchase transaction up to ₹400. On purchases above ₹400, you will get a maximum discount of ₹100 and your discount percentage would be lower than 25%.

Benefits
– Attractive benefit of 6.50% on monthly fuel spends
– Low annual card spend target of ₹50,000 to get annual fee waiver
– Complementary domestic airport lounge access – once per calendar quarter (4 times per year)
– 25% discount on Paytm Movies, upto ₹200 per month

Drawbacks
– You are restricted to HPCL fuel pumps to get attractive fuel rewards