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ICICI Bank · Visa / Mastercard / RuPay · हिन्दी

ICICI Bank HPCL Super Saver Credit Card: full review

The ICICI HPCL Super Saver is the best credit card for regular HPCL fuel users spending up to ₹5,000/month on fuel. The combined 5.5% value back (4% cashback + 1% surcharge waiver + 0.5% HP Pay) at ₹500 annual fee is class-leading for HPCL. Beyond fuel and utilities, the card offers little.

Apply now ↗Annual fee: ₹500 + taxes
Last updated: October 2026 · Current terms verified
ICICI BANK
VISA
)))
HPCL SUPER SAVER
ASHOK KUMAR
12/28
₹500 + taxes (waived on ₹1,50,000/year spend)Annual fee
4% cashback on HPCL fuel (capped ₹200/month) + 1% surcharge waiver; 5% as reward points on groceries, departmental stores and utility bills (20 points per ₹100, capped at 400 points a month); 0.5% on othersReward structure
1 domestic visit/quarter (on ₹75,000/quarter spend)Lounge access

Key benefits of the ICICI Bank HPCL Super Saver Credit Card

4% direct cashback on HPCL fuel transactions, capped ₹200/month (best for up to ₹5,000/month fuel spend)Additional 1.5% rewards via HP Pay app on HPCL fuel (total up to 5.5% including surcharge waiver)1% fuel surcharge waiver on HPCL transactions5% rewards as ICICI Bank Reward Points (20 RP per ₹100) on departmental store spends and utility bill payments (capped 400 RP/month)2 RP per ₹100 on all other retail spends (0.5%)1 domestic lounge visit/quarter on ₹75,000/quarter spend (from Apr 2026)25% discount on movie tickets via BookMyShow/INOX (2 per month, on ₹25,000/quarter spend from Apr 2026)Annual fee waived on ₹1.5L/year spendComplimentary 24x7 roadside assistance
Apply now ↗ Min. income: ₹20,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Best HPCL fuel card at ₹500 fee, up to 5.5% combined value on HPCL fuel
✓ Earns on utilities and departmental stores too, broader than most fuel cards
✓ Annual fee easily waived
✓ RuPay variant supports UPI credit card payments
Cons
✗ ₹200/month fuel cashback cap is low, ideal only for ₹4,000–5,000/month HPCL spend
✗ Lounge and movie benefits now require quarterly spend thresholds from Apr 2026
✗ 0.5% base rate is very low on non-fuel, non-utility spends
✗ Only useful at HPCL pumps, no benefit at BPCL or Indian Oil
Quick facts
Issuer ICICI Bank
Network Visa / Mastercard / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹1,50,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter (on ₹75,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceICICI Bank's HPCL Super Saver card page · Last checked October 2026
Recent updates

Corrected from ICICI Bank's card page: groceries, departmental stores and utility bills earn 20 points per ₹100, which ICICI Bank describes as 5%, capped at 400 points (₹100) a month. Our maths counted groceries at 0.5% and utilities at 1.25%. The ₹200 monthly cap on HPCL fuel cashback is now in our maths too.

Groceries0.5%5% (capped)
Utility bills1.25%5% (capped)
CapsNot counted₹200 fuel + ₹100 groceries and bills
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Frequently asked questions
The annual fee for ICICI Bank HPCL Super Saver Credit Card is ₹500 + taxes (waived on ₹1,50,000/year spend). The joining fee is ₹500.
The main benefits of the ICICI Bank HPCL Super Saver Credit Card are: 4% direct cashback on HPCL fuel transactions, capped ₹200/month (best for up to ₹5,000/month fuel spend); Additional 1.5% rewards via HP Pay app on HPCL fuel (total up to 5.5% including surcharge waiver); 1% fuel surcharge waiver on HPCL transactions; 5% rewards as ICICI Bank Reward Points (20 RP per ₹100) on departmental store spends and utility bill payments (capped 400 RP/month); 2 RP per ₹100 on all other retail spends (0.5%); 1 domestic lounge visit/quarter on ₹75,000/quarter spend (from Apr 2026); 25% discount on movie tickets via BookMyShow/INOX (2 per month, on ₹25,000/quarter spend from Apr 2026); Annual fee waived on ₹1.5L/year spend; Complimentary 24x7 roadside assistance.
4% cashback on HPCL fuel (capped ₹200/month) + 1% surcharge waiver; 5% as reward points on groceries, departmental stores and utility bills (20 points per ₹100, capped at 400 points a month); 0.5% on others
ICICI Bank HPCL Super Saver Credit Card is best for HPCL fuel users wanting the highest cashback at HPCL petrol pumps. The ICICI HPCL Super Saver is the best credit card for regular HPCL fuel users spending up to ₹5,000/month on fuel. The combined 5.5% value back (4% cashback + 1% surcharge waiver + 0.5% HP Pay) at ₹500 annual fee is class-leading for HPCL. Beyond fuel and utilities, the card offers little.
The minimum income requirement for ICICI Bank HPCL Super Saver Credit Card is ₹20,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, ICICI Bank HPCL Super Saver Credit Card offers 1 domestic visit/quarter (on ₹75,000/quarter spend).
ICICI Bank HPCL Super Saver Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Fuel Credit Cards →Best Credit Cards for Utility Bill Payments →
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ICICI Bank HPCL Super Saver₹500 + taxes
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