ICICI Bank HPCL Super Saver Credit Card
Best for hPCL fuel buyers who also pay utility bills on card. 4% cashback at HPCL (+1% surcharge waiver, +1.5% via HP Pay); 5% on departmental stores, mobile and electricity bills; 2 RP per Rs 100 elsewhere (1 RP = Rs 0.25)
Terms as of 2026-01-09 · Checked 28 September 2026ICICI Bank HPCL Super Saver Credit Card at a glance
Who it suits: HPCL fuel buyers who also pay utility bills on card
Rewards & cashback
| Details | |
|---|---|
| How you earn | 4% cashback at HPCL (+1% surcharge waiver, +1.5% via HP Pay); 5% on departmental stores, mobile and electricity bills; 2 RP per Rs 100 elsewhere (1 RP = Rs 0.25) |
| Caps & exclusions | Fuel cashback max Rs 200/month; 5% categories max Rs 100/month |
| Welcome benefit | 2,000 RP on activation and fee payment |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹600 | ₹10 |
| ₹3,00,000 / year | ₹1,500 | ₹1,500 |
| ₹6,00,000 / year | ₹3,000 | ₹3,000 |
| ₹12,00,000 / year | ₹6,000 | ₹6,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 1 domestic visit/quarter on Rs 75,000 prior-quarter spend |
| Fuel surcharge | 1% surcharge waiver at HPCL (up to Rs 4,000 spend/month) |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹500 + GST |
| Annual / renewal fee | ₹500 + GST |
| Fee waiver | Annual fee waived on Rs 1.5 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-65 (Coral/Rubyx/Sapphiro); Amazon Pay 18-60 |
| Credit score | 750+ improves approval chances |
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Frequently asked questions
What is the annual fee of the ICICI Bank HPCL Super Saver Credit Card?
Joining fee ₹500 and annual fee ₹500 (plus 18% GST). Annual fee waived on Rs 1.5 lakh annual spend.
What rewards does it offer?
4% cashback at HPCL (+1% surcharge waiver, +1.5% via HP Pay); 5% on departmental stores, mobile and electricity bills; 2 RP per Rs 100 elsewhere (1 RP = Rs 0.25) Caps/exclusions: Fuel cashback max Rs 200/month; 5% categories max Rs 100/month
Does it give airport lounge access?
1 domestic visit/quarter on Rs 75,000 prior-quarter spend
Is the ICICI Bank HPCL Super Saver Credit Card good for me?
Best for: HPCL fuel buyers who also pay utility bills on card. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-01-09. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on ICICI Bank’s website before applying. FinancePortal is not affiliated with the issuer.