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BOB HPCL ENERGIE Virtual Card Lifetime Free Offer

Probably a dumb question but the official website mentions "HP Pay wallet load transactions do not qualify for Savings upto 5%".

All my fuel purchases are under 350Rs. Since minimum transaction is Rs400, can I use HP PAY app to my benefit of 5% savings or nah?
Will get 4% as RPs, 1% as Happy coins in HP pay app. Won't get fuel surcharge waiver
 
BoB is pushing Lifetime Free Virtual HPCL Energie as an additional card. Check app / WhatsApp for offers.

No Physical card will be issued (May be can get Physical by paying one time fees of ₹100 + gst)
JF = 0
AF = 0
Shared Limit with existing card.
if they are not giving physical card by default , how can we swipe at HP Fuel station ? are we suppose to pay through UPI at HP fuel station ? then in this case wont we get UPI reward i.e. 1RP per 150 ??
 
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