ICICI Bank HPCL Super Saver Credit Card
Fees
Joining/Annual Fee: ₹500 + Taxes
Joining & AnnualReward 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 Access
1 Domestic/Qtr (₹35K Spend)
FindMyCard 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.
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
Editorial Verdict
The ICICI Bank HPCL Super Saver Credit Card is ideally suited for fuel spends at hpcl outlets via hp pay and daily household utility/grocery bills. If you want 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, this card delivers real value. The joining/annual fee: ₹500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (720+) credit to be approved.
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
🚀 Milestone Spends Timeline
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 & Charging Rates
Annual Fee Waivers
Joining/Annual Fee: ₹500 + Taxes
💡 Annual fee waived on spending ₹1,500,000 (₹1.5 Lakh) or more in the preceding year
Regular Interest Charges
3.40% per month (40.80% per annum)
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
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... | — | 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 |