ICICI Bank HPCL Super Saver Credit Card
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
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
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
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?
Did this card's rewards change in 2026?
Does this card offer lounge access?
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 |