ICICI Bank HPCL Super Saver Credit Card
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ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

RuPay
Co-branded

Your rating

Community rating

Best for HPCL fuel buyers — maximum savings on petrol pump spends

Joining Fee

₹500

Annual Fee

₹500

Reward Rate

2% – 5%

Forex Markup

3.5%

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Key Benefits

Up to 5% savings on HPCL fuel spends (4% cashback + 1% fuel surcharge waiver)
Additional 1.5% value back on fuel payments made via HP Pay app
5% rewards on utility bills and departmental store spends (capped monthly)
2 Reward Points per ₹100 on other eligible retail spends
2,000 welcome Reward Points on fee payment and activation
1 complimentary domestic airport lounge visit per quarter on spend eligibility
25% discount on BookMyShow & INOX tickets (up to ₹100, twice monthly)
Complimentary 24×7 roadside assistance services
Annual fee waiver on ₹1.5 lakh annual spends
1 Reward Point = ₹0.25 redemption value

Rewards

How you earn back on every swipe

hybrid

Reward type

2% – 5%

Earn rate

2

Points / ₹100

₹0.25

Per point

₹300

Monthly cap

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹500
Annual fee₹500
Fee waiver on annual spend₹1,50,000
Interest-free period50 days
Interest rate (APR)45%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup3.5%
Fuel surcharge waiverYes (₹400–₹4000)

Travel & Lounge Access

Airport perks included with this card

1 per quarter

Domestic lounge visits

Things to Keep in Mind

  • cash advances
  • fuel transactions for reward points
  • EMI transactions
  • balance transfer
  • personal loan on credit cards
  • joining fee and renewal fee
  • late payment charges

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹20,000/month

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Strong entry-level fuel credit card for HPCL users
  • Additional HP Pay rewards improve effective fuel savings
  • Good rewards on utility and departmental store spends
  • Includes lounge access and movie benefits at low annual fee
  • Complimentary roadside assistance is genuinely useful
  • Annual fee waiver milestone is achievable
  • Good beginner-friendly fuel and daily spends card
Cons
  • fuel transactions for reward points
  • EMI transactions
  • balance transfer
  • personal loan on credit cards
  • joining fee and renewal fee
  • late payment charges
  • High revolving APR — up to ~45% p.a. on balances.
  • Rewards capped around ₹300/month on categories.Fuel cashback has relatively low monthly caps
  • Best value depends heavily on HPCL fuel usage
  • Reward redemption value is relatively low
  • Lounge access requires quarterly spend milestones
  • Forex markup is high for international spending
  • Reward exclusions apply on fuel surcharge, EMI, wallet loads & rent
  • Lower overall value than premium fuel cards like BPCL Octane for heavy fuel spenders

Who is this card for?

Commuters and vehicle owners who regularly fuel at HPCL petrol pumps. Best for monthly fuel spending of ₹5,000–₹20,000 at HP outlets.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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