ICICI Bank HPCL Super Saver Credit Card benefits
- Fuel4%
cashback on HPCL fuel
up to ₹200 a month, plus a 1% surcharge waiver
- Rewards5%
back as points on groceries, utilities and department stores
up to 400 points a cycle
- Rewards2,000
bonus points on spending ₹5,000 in the first 45 days
- Fees
24x7 roadside assistance for one vehicle while the fee is paid
- Fees₹500
fee plus GST, reversed on ₹1.5 lakh of yearly spends
ICICI Bank HPCL Super Saver Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| HPCL pumps4% cashback on fuel at HPCL pumps or through the HP Pay app, up to ₹200 a month, with no minimum fill. Any bank's swipe machine at an HPCL pump counts. Shown here as 16 points per ₹100 at ₹0.25 a point, so the ₹200 limit equals 800 points. The 1% fuel surcharge waiver comes on top. | 16 points per ₹100 | 800 |
| Groceries20 ICICI Bank Reward Points per ₹100 (5%) on groceries and department stores. Shares a limit of 400 points a statement cycle with utility spends. | 20 points per ₹100 | 400 |
| Bills and utilities20 points per ₹100 (5%) on utility, telecom, government and tax payments. Shares the 400 point limit with groceries. | 20 points per ₹100 | 400 |
| Everything else | 2 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel (it gets cashback instead), cash advances, EMI transactions, balance transfers, loans on the card, and card fees and charges.
All reward rules
- Point value: ICICI Bank's terms for this card call 20 points per ₹100 a 5% benefit, so 1 ICICI Bank Reward Point = ₹0.25.
- 2 points per ₹100 on other retail spends, in India or abroad. That is about 0.5%.
- The 400 point limit on daily essentials is reached at ₹2,000 of such spends in a cycle. It is worth about ₹100.
- Paying for fuel with the HP Pay app at HPCL pumps adds 1.5% as Happy Coins in the HP Pay wallet. We do not count it.
- Joining benefit: 2,000 points (about ₹500) if you pay the joining fee and spend ₹5,000 within 45 days of getting the card.
- From 15 November 2026, ICICI Bank charges a 1% fee on any single fuel transaction above ₹10,000.
- ICICI Bank's pages confirm a RuPay variant, which adds a personal accident cover of up to ₹2 lakh and a 24x7 concierge. The pages do not name the other networks.
What the ICICI Bank HPCL Super Saver Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “a bit of everything” pattern, using HPCL pumps where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹6,000 | 5% (limit hit) | ₹800 |
| Dining and food delivery | ₹3,000 | 0.5% | ₹180 |
| Online shopping | ₹8,000 | 0.5% | ₹480 |
| Travel | ₹3,000 | 0.5% | ₹180 |
| Fuel | ₹3,000 | 4% | ₹1,440 |
| Bills and utilities | ₹3,000 | 5% (limit hit) | ₹400 |
| Everything else | ₹4,000 | 0.5% | ₹240 |
| Total | ₹30,000 | ₹3,720 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹3,720* |
On the same spending, the IndianOil HDFC Bank Credit Card gives about the same.
ICICI Bank HPCL Super Saver Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹1,50,000 a year
- Foreign currency markup
- 3.5%
Fees are before GST. From the second year, the ₹500 renewal fee is reversed if you spent ₹1.5 lakh or more in the previous card year. EMI spends do not count. If the fee is waived, the roadside assistance benefit is not given for that year.
Fuel surcharge: 1% waiver at HPCL pumps on fills of ₹400 to ₹4,000, on top of the 4% cashback. Wallet loads on the HP Pay app do not qualify.
ICICI Bank HPCL Super Saver Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹2,40,000 a year
- Self-employed income
- ₹2,40,000 a year
Indian citizens aged 21 to 65. Salaried: monthly income of ₹20,000. Self-employed: yearly income of ₹2.4 lakh.
The bank alone decides approval and your credit limit.
ICICI Bank HPCL Super Saver Credit Card lounge access
4 domestic visits a year. Banks often set a spend condition, so read the reward rules above.
1 domestic airport lounge visit each calendar quarter, for the primary cardholder, if you spent ₹75,000 or more in the previous quarter.
Is the ICICI Bank HPCL Super Saver Credit Card right for you?
A card with a ₹500 fee that spending can waive, paying 5% on groceries and a below-average 0.5% elsewhere.
Worth its fee if you spend about ₹3,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on groceries: the card pays 5% back there, against 0.5% on most other spends.
- You spend ₹1,50,000 a year or more (about ₹12,500 a month), so the ₹500 renewal fee is waived.
- You fly a few times a year: it includes 4 domestic airport lounge visits a year.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹12,500 a month: you would pay ₹590 a year with GST.
- You spend more than ₹5,000 a month at HPCL pumps: the higher rate stops there.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to ICICI Bank HPCL Super Saver Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| ICICI Bank HPCL Super Saver Credit Card | ₹500 | 5% | ₹2,280* |
| IndianOil HDFC Bank Credit Card | ₹500 | 4.8% | ₹3,693* |
| IndianOil Kotak Credit Card | ₹449 | 4% | ₹3,240* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the difference between ICICI HPCL Super Saver and HPCL Coral?
Super Saver gives 4% cashback on HPCL fuel up to ₹200 a month, and 5% back as points on groceries and utility bills. HPCL Coral gives 2.5% up to ₹100 a month and only 1 point per ₹100 on those bills. Super Saver costs ₹500 a year against ₹199, and adds roadside assistance and a lounge visit.
How much fuel do I need to buy to get the full ₹200 cashback?
About ₹5,000 a month at HPCL pumps, since 4% of ₹5,000 is ₹200. Fuel above that earns no more cashback in the month, but fills of ₹400 to ₹4,000 still get the 1% surcharge waiver.
How can I get the HPCL Super Saver annual fee waived?
Spend ₹1.5 lakh or more in a card year, not counting EMI spends. ICICI Bank then reverses the ₹500 renewal fee for the next year. Note that roadside assistance is not given in a year when the fee is waived.
Does the ICICI HPCL Super Saver card give airport lounge access?
Yes, 1 domestic lounge visit per quarter for the primary cardholder, but only if you spent ₹75,000 or more in the previous calendar quarter.
What does the roadside assistance on this card cover?
Help on the phone, small on-site repairs, flat tyre and battery help, towing to the nearest garage, fuel delivery of up to 5 litres (you pay for the fuel) and a taxi for up to 50 km. It covers one vehicle and only the primary cardholder.