HPCL Super Saver ICICI Bank Credit Card from ICICI Bank

HPCL Super Saver ICICI Bank Credit Card review

ICICI Bank · Visa · points Official sources Checked 30 Oct 2026

At a glance

Annual fee: ₹500
Joining fee: ₹500
Fee waiver: ₹1,50,000 a year
Base return: 0.5% base
Point value: ₹0.25 per point
Domestic lounge: 1 domestic airport lounge visit per quarter for primary cardholder, needs ₹75,000 spend in the previous calendar quarter (official)
International lounge: None found

Estimated net value a year

Profile	Net	% of spend
First card, light spender ₹15k a month	₹1,968	1.1%
Metro salaried ₹60k a month	₹5,400	0.8%
Family household ₹80k a month	₹7,320	0.8%
Frequent flyer ₹1.5L a month	₹10,980	0.6%
Online shopper ₹50k a month	₹4,080	0.7%
Rent-heavy ₹90k a month	₹5,400	0.5%

Fee maths: The ₹500 annual fee is waived at ₹1,50,000 a year of eligible spend, about ₹12,500 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹1,968 (first card, light spender) to ₹10,980 (frequent flyer), equal to 0.5% to 1.1% of spend across the profiles. Without a waiver, the metro salaried category mix earns back the fee from about ₹3,000 a month of total spend.

After fees and caps, best-case redemption. Use your own spend.

Our take: For HPCL pump users on a small budget: 4% cashback at HPCL pumps capped at ₹200 a month (reached at ₹5,000 of fuel), plus 20 points per ₹100 on groceries and utilities that share a 400-point monthly cap, which at ₹0.25 a point is only about ₹100 a month. Everything else earns 2 points per ₹100, and fuel at other pumps earns nothing. The ₹500 fee is waived at ₹1.5 lakh a year. One domestic lounge visit a quarter needs ₹75,000 of spend in the previous quarter.

From the card's terms: strengths

Capped category-wide rate: about 5% on bills & utilities, groceries
1 domestic lounge visit a quarter

From the card's terms: limits

Base return is only about 0.5% on other spends

Reward rates and caps

Spend category	Points per ₹100	Value per ₹100	Cap	Notes
Fuel	16	₹4	800 pts monthly	HPCL pumps only: 4% cashback (=16 pts-equiv per ₹100) capped ₹200/month (=800 pts-equiv). Plus 1% surcharge waiver (cap ₹500/month); extra ~1.5% Happy Coins via HP Pay app. Non-HPCL fuel earns nothing.
Bills & utilities, Groceries	20	₹5	400 pts monthly	5% as points, shared 400 RP/month cap across utilities and groceries/department stores (~₹2,000 spend)
Rent	0	₹0	No cap found	Rent, wallet loads, cash advances earn nothing
Everything else, Other online shopping, Amazon, Flipkart, Dining & food delivery, Flights & hotels, Entertainment & OTT	2	₹0.5	No cap found	2 RP/₹100; insurance 2 RP/₹100 only on first ₹40,000 premium per cycle
Fuel	0	₹0	No cap found	Fuel at other pumps earns nothing; rewards apply only at the co-brand fuel partner (card terms).

Point value: ICICI Reward Points ~₹0.25; fuel benefit is cashback and 5% rates below are expressed as points equivalent at ₹0.25 (20 RP = ₹5)

Excluded or reduced

Rent and cash (MITC: no points)
E-wallet reload (MITC: no points)
Fuel transactions earn no reward points; fuel benefit is 4% cashback (capped ₹200/month) at HPCL only (T&C)
Cash advance, interest/fees, EMI, balance transfer, personal loan on card (T&C)
Insurance spend reward capped at ₹40,000 spend per statement cycle (MITC)

Other benefits

Welcome: 2,000 reward points (official; about ₹500 at ₹0.25/pt; spend condition not shown on page)
Renewal: None
BookMyShow/INOX 25% off up to ₹100 twice/month (₹25,000 prior-quarter spend)
Forex markup 3.5%
RuPay variant exists

Eligibility

Indian citizen over 21; salaried ₹20,000/month or self-employed ₹2.4 lakh/yr (official)

Where it ranks

#4 in Best credit cards for fuel

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FAQ

What is the annual fee of the HPCL Super Saver ICICI Bank Credit Card?

₹500 a year, waived at ₹1,50,000 annual spend. Fees exclude 18% GST.

How do HPCL Super Saver ICICI Bank Credit Card rewards work?

0.5% base, up to 5% on bills & utilities/groceries. ICICI Reward Points ~₹0.25; fuel benefit is cashback and 5% rates below are expressed as points equivalent at ₹0.25 (20 RP = ₹5)

Does the HPCL Super Saver ICICI Bank Credit Card give airport lounge access?

Domestic: 1 domestic airport lounge visit per quarter for primary cardholder, needs ₹75,000 spend in the previous calendar quarter (official). International: None found.

Who is the HPCL Super Saver ICICI Bank Credit Card best suited to?

For HPCL pump users on a small budget: 4% cashback at HPCL pumps capped at ₹200 a month (reached at ₹5,000 of fuel), plus 20 points per ₹100 on groceries and utilities that share a 400-point monthly cap, which at ₹0.25 a point is only about ₹100 a month. Everything else earns 2 points per ₹100, and fuel at other pumps earns nothing. The ₹500 fee is waived at ₹1.5 lakh a year. One domestic lounge visit a quarter needs ₹75,000 of spend in the previous quarter. The ₹500 annual fee is waived at ₹1,50,000 a year of eligible spend, about ₹12,500 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹1,968 (first card, light spender) to ₹10,980 (frequent flyer), equal to 0.5% to 1.1% of spend across the profiles.