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Comparison · हिन्दी

ICICI HPCL Super Saver vs BPCL SBI Card

Both cards compared on real rupee returns for best entry level fuel credit card India HPCL vs BPCL. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
ICICI
HPCL SUPER SAV
ASHOK KUMAR
VS
SBI
BPCL
ASHOK KUMAR
Our verdict
ICICI Bank HPCL Super Saver Credit Card wins for most people
ICICI HPCL Super Saver wins with ₹3,340 annual benefit versus ₹2,771 from BPCL SBI Card. The ICICI card's superior fuel cashback and lower effective fee make it the stronger choice for this spend profile.
Side-by-side comparison
ICICI Bank HPCL Super Saver Credit Card ✓ BPCL SBI Credit Card
Annual benefit ₹3,340 ₹2,771
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) ₹499 + taxes (waived on ₹50,000 annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 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 4.25% value back on BPCL fuel (13 reward points per ₹100, capped at 1,300 points a cycle, plus a 1% fuel surcharge waiver); 5 points per ₹100 (1.25%) on groceries, departmental stores, movies and dining, up to 5,000 points a month; 1 point per ₹100 (0.25%) on other spends; 4 points = ₹1 of free fuel
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) No
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% 3.5%
Best for HPCL fuel users wanting the highest cashback at HPCL petrol pumps BPCL fuel station regulars
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried) ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
ICICI Bank HPCL Super Saver Credit Card
ICICI HPCL Super Saver excels when you fuel exclusively at HPCL pumps and want maximum cashback on fuel. Its 4% cashback capped at ₹200/month plus surcharge waiver significantly outperforms competitors for dedicated HPCL users.
BPCL SBI Credit Card
BPCL SBI Card suits those who primarily fuel at BPCL stations and value dining rewards alongside fuel benefits. Its 1.25% cashback on groceries and dining offers broader category coverage, though the fuel benefit margin remains tighter.
Who should get which card
Get ICICI Bank HPCL Super Saver if you…
· Exclusive HPCL fuel station user seeking maximum fuel cashback
· Monthly fuel spend of ₹5,000 aligns perfectly with card rewards structure
· Annual spend easily crosses ₹1,50,000 waiver threshold for fee-free usage
· Prefer single-brand loyalty with straightforward cashback structure
Get BPCL SBI if you…
· Regular BPCL fuel station customer with loyalty preference
· Want diversified rewards across dining and groceries alongside fuel
· Lower annual spend makes ₹50,000 waiver threshold more achievable
· Appreciate fuel redemption flexibility through points conversion
Partner offer
RBL Bank IndianOil XTRA Credit Card
Heavy IndianOil fuel spenders who will redeem points at IndianOil pumps, not those wanting flexible cashback
Apply now →
RBL
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, ICICI Bank HPCL Super Saver Credit Card offers better annual returns for most spend profiles.
ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500 + taxes (waived on ₹1,50,000/year spend). BPCL SBI Credit Card has an annual fee of ₹499 + taxes (waived on ₹50,000 annual spend).
ICICI Bank HPCL Super Saver Credit Card offers 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. BPCL SBI Credit Card offers 4.25% value back on BPCL fuel (13 reward points per ₹100, capped at 1,300 points a cycle, plus a 1% fuel surcharge waiver); 5 points per ₹100 (1.25%) on groceries, departmental stores, movies and dining, up to 5,000 points a month; 1 point per ₹100 (0.25%) on other spends; 4 points = ₹1 of free fuel.
ICICI Bank HPCL Super Saver Credit Card lounge access: 1 domestic visit/quarter (on ₹75,000/quarter spend). BPCL SBI Credit Card lounge access: No.
ICICI Bank HPCL Super Saver Credit Card charges 3.5% forex markup. BPCL SBI Credit Card charges 3.5% forex markup.