ICICI Bank HPCL Super Saver Credit Card by ICICI Bank — Credit Card Image
ICICI Bank Review Verified: 2026-08-25

ICICI Bank HPCL Super Saver Credit Card

4.0 / 5.0 Rating
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#co-branded #best-for-fuel

Fees

Joining/Annual Fee: ₹500 + Taxes

Joining & annual

Reward Rate

4% savings (via 24 reward points per ₹100 spent) on fuel purchases at HPCL pumps when paid via the HP Pay App; 2.5% savings (via 15 reward points per ₹100 spent) on groceries, departmental stores, and utility bill payments; 2 reward points per ₹100 spent on all other retail transactions

Welcome Bonus

2,000 ICICI Bank Reward Points + ₹100 cashback in the HP Pay wallet upon card activation and meeting onboarding payment terms

Lounge

1 Domestic/Qtr (₹35K Spend)

Our Expert Take

ICICI HPCL Super Saver rewards fuel purchases at HPCL well, especially if you pay through the HP Pay app, plus a useful 2.5% on groceries and utilities. The welcome bonus covers the ₹500 joining fee, and the ₹1.5 lakh annual spend to waive it going forward is a reasonable bar.

Reward limits

Checked 11 Oct 2026 · Bank terms

  • 4% cashback on HPCL fuel

    Max ₹200 per month

    Reached after about ₹5,000 of spend

  • 5% on groceries, department stores and utilities

    Max 400 points per month

    Reached after about ₹2,000 of spend

Pros & Cons

Key Advantages

  • Up to 5% combined value back on HPCL fuel purchases (rewards plus surcharge waiver)
  • 2.5% back on groceries, utilities and department stores
  • Welcome bonus offsets the joining fee
  • Fee waived on ₹1.5 lakh in annual spend
  • Includes complimentary domestic airport lounge access

Limitations

  • The top 4% fuel rate only applies to payments made through the HP Pay app
  • Monthly statement cycle capping limits are tightly enforced across both fuel and lifestyle reward categories
  • Excludes traditional premium lifestyle rewards like international lounge access or movie milestone gift codes

Key Perks & Spending Milestones

24 ICICI Bank Reward Points accrued for every ₹100 spent on fuel transactions at authorized HPCL stations via the HP Pay application (4% value back)

1% fuel surcharge waiver shield layered natively across HPCL petroleum pump swipes

Up to 5% total blended value back performance realized when utilizing the HP Pay application at partner pumps

15 ICICI Bank Reward Points generated for every ₹100 spent on groceries, departmental store purchases, and utility bill payments (2.5% value back)

2 ICICI Bank Reward Points accrued for every ₹100 spent universally across all external online and offline general retail categories

Standard redemption value benchmark where 1 Reward Point = ₹0.25 when settled directly inside the card statement or portal

Accelerated fuel rewards are subject to a strict maximum cap of 1,000 points per month

Accelerated grocery, utility, and departmental store rewards are subject to a maximum cap of 1,000 points per month

1 complimentary domestic airport lounge terminal access visit per calendar quarter (conditioned on spending a minimum of ₹35,000 in the preceding quarter)

Exclusive curated dining privileges and up to 15% savings at participating partner restaurants through the ICICI Bank Culinary Treats program; insurance-category rewards capped at ₹40,000 spend and transport-category rewards capped at ₹10,000/month (revised 2026)

Spend milestone

Complete ongoing annual card renewal fee waiver for the subsequent cycle upon checking off a cumulative ₹1,50,000 retail spending milestone inside the previous year

Fees & Charges

Joining fee

Joining/Annual Fee: ₹500 + Taxes

Annual fee

Joining/Annual Fee: ₹500 + Taxes

Annual fee waived on spending ₹1,500,000 (₹1.5 Lakh) or more in the preceding year

Interest rate

3.40% per month (40.80% per annum)

Late payment fee

up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 1001_to_5000: ₹600; 5001_to_10000: ₹750; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300

Insurance & Protection Benefits

Fuel surcharge waiver: 1% cover across HPCL pumps (capped at transactions up to ₹4,000)

Eligibility Criteria

age

21 to 65 years

employment profiles

Salaried and Self-Employed Profiles

Credit score & income

Good (720+)

Frequently Asked Questions

What's the fuel value-back on ICICI HPCL Super Saver?
Up to 5% combined value-back on HPCL fuel purchases via the HP Pay app (4% in reward points plus a 1% surcharge waiver), capped at 1,000 points/month.
Did this card's rewards change in 2026?
Yes, insurance-category rewards were capped at ₹40,000 in spends and transport-category (rail/bus/metro) rewards were capped at ₹10,000/month.
Does this card offer lounge access?
Yes, 1 complimentary domestic lounge visit per quarter, conditional on ₹35,000 spend in the preceding quarter.

Compare ICICI Bank HPCL Super Saver Credit Card With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
ICICI Bank HPCL Super Saver Credit Card This Card Joining/Annual Fee: ₹500 + Taxes 4% savings (via 24 reward points per ₹100 spent) on fuel purchases... 1 Domestic/Qtr (₹35K Spend) 4.0/5
Standard Chartered Super Value Titanium Credit Card ₹750 + Taxes 5% cashback on fuel, telecom & utility bills (capped... No Lounge Access (Premium Banking customers get 1 Priority Pass visit/month) 4.3/5
HDFC IndianOil Credit Card ₹500 + Taxes 5% Fuel Points at IndianOil outlets, groceries, and bill payments No Lounge Access 4.2/5
IndianOil Kotak Credit Card ₹499 + Taxes 24 points per ₹150 on IndianOil fuel (~4% value-back, capped at... No Lounge Access 4.2/5

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