How to Increase Credit Limit on HPCL Bank of Baroda (BoB) ENERGIE Credit Card

Are you using HPCL Bank of Baroda (BoB) ENERGIE Credit Card? Want to Increase the credit limit? Then this is the right place. In this post we are going to show you How to Increase Credit Limit on HPCL Bank of Baroda (BoB) ENERGIE Credit Card.

Welcome to coinobear, In this post, we are going to show you How to Increase your Credit Limit on HPCL Bank of Baroda (BoB) ENERGIE Credit Card . HPCL Bank of Baroda (BoB) ENERGIE Credit Card Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. HPCL Bank of Baroda (BoB) ENERGIE Credit Card is best fit for Fuel |
Shopping | enthusiast. If you purchase 2 movie tickets via Paytm Movies using this credit card, you get a discount of 25% (a maximum of Rs. 100)..

 

HPCL Bank of Baroda (BoB) ENERGIE Credit Card Details

Card Name HPCL Bank of Baroda (BoB) ENERGIE Credit Card
Joining Fee Rs. 499
Reward Type Reward Points |
Fuel Surcharge 1% at all fuel stations in India
Apply Link Apply Here

 

Fees & Charges

What is the joining fee of HPCL Bank of Baroda (BoB) ENERGIE Credit Card?

Rs. 499

What are the Welcome Benefits for HPCL Bank of Baroda (BoB) ENERGIE Credit Card?

You are entitled to 2000 Bonus Reward Points if you are able to spend Rs. 5000 within 60 days of payment of the joining fee

Additional 1.5% cashback on fuel purchases at HPCL pumps if paid through HP Pay Application

HPCL Bank of Baroda (BoB) ENERGIE Credit Card Benefits & Rewards

Movie / Dining 

25% off on the purchase of 2 movie tickets via Paytm movies

Rewards Rate 

Additional 1.5% cashback on fuel purchases at HPCL pumps if paid through HP Pay Application

Reward Redemption

The earned Reward Points can be redeemed against various options available on the BoB website and can be redeemed for cash as well where 1 RP = Rs. 0.25

Travel Benefits for HPCL Bank of Baroda (BoB) ENERGIE Credit Card

Complimentary access to lounges at the airport

 

Airport Lounge Access

Domestic Lounge Access : 4 Complimentary domestic lounge access per year, subject to 1 per quarter

International Lounge Access : NA

Insurance Cover

NA

How to Increase Credit Limit on HPCL Bank of Baroda (BoB) ENERGIE Credit Card

1. Create a budget plan

Before you decide what to purchase with your credit card, you should first create a budget plan. Spend some time doing research on how much money you have to spend each month. Do not forget about other expenses like insurance, utilities, food, and gas. By taking these factors into consideration, you will be able to determine what kind of purchases you want to make with your card. If you do not have enough money left over at the end of the month, you may need to cut down on certain spending categories.

2. Decide which product you want

After you have determined your monthly income, you can then choose what type of products you want to buy using your card. Take note of your personal preferences by looking at reviews online and reading customer opinions. You could even consider buying various samples in order to learn more about them before making a final decision.

3. Make sure you’re not paying interest

If you pay off your balance in full each month, you will avoid paying interest charges. However, if you carry a balance, you will incur additional fees. Always check the terms and conditions of your credit cards to find out what they offer.

4. Keep track of your spending

You should keep track of your spending and use the information to help you stay on top of your finances. Write down everything that you spend money on, including any receipts and items purchased online. Once you have done this, try to reduce unnecessary spending. As soon as you notice yourself starting to overspend, write down the amount you spent and add the item to a list of things you wish to get rid of.

5. Avoid impulse buys

Impulse buys are purchases without prior planning. These are purchases that you cannot wait to make, even if it means having to sacrifice something else. When you are tempted to make an impulsive purchase, take a moment to ask yourself whether this really is necessary. If you still feel compelled to go ahead with your purchase, try delaying the transaction until later.

6. Manage your credit score

If you want to increase your limit on your credit card, you will need to maintain a good credit score. To improve your credit score, start by monitoring your payments. Try to repay all of your bills on time and do not exceed your limits. In addition, look for ways to lower your debt-to-income ratio. Your ratio is calculated by dividing the total amount of debt you owe by your gross annual income. A higher ratio indicates less financial responsibility. Paying down your debts can greatly improve your credit score.

 

Our thoughts

Increasing Card Limit on HPCL Bank of Baroda (BoB) ENERGIE Credit Card totally depends on your previous relationship with your bank, credit history, and payment time.  If we missed anything please let us know in the comment section

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