HPCL Super Saver ICICI Bank Credit Card
The HPCL Super Saver ICICI Bank Credit Card is a entry co-branded credit card from ICICI Bank and Hindustan Petroleum (HPCL), with a joining fee of ₹500 + GST.
It earns up to 20 pts per ₹100 (≈4.0% value) on Hindustan Petroleum (HPCL) spends in the form of icici reward points (points).
Cardholders get 1 quarterly domestic airport lounge access, plus 2,000 icici bank reward points as a welcome benefit.
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForFuel
- Reward TypeICICI Reward Points (points)
- 4 pts per ₹100 on hpcl fuel via hp pay (cap 200 cashback inr / monthly)
- 20 pts per ₹100 on utilities and departmental stores (cap 400 points / statement)
- Base 0.40% on other spends
- 2,000 ICICI Bank Reward Points
Rewards and Benefits
- Roadside Assistance — 24/7 roadside assistance in case of vehicle breakdown.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹104/mo
You spend ₹8,000 · earns 4.0% = ₹320 uncapped → cap ₹80 clamps it, ₹240 lost to the cap · ₹24 earned at base beyond it
- Cap ₹80/mo reached — extra spend earns base
- Valued at realized redemption value
- Utilities & bills₹20/mo
You spend ₹5,000 · earns 4.0% = ₹200 uncapped → cap ₹80 clamps it, ₹200 lost to the cap · ₹20 earned at base beyond it
- Cap ₹80/mo reached — extra spend earns base
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹60/mo
- Dining & food delivery₹8,000 · 0.4% = ₹32/mo
- Fuel₹4,000 · 0.4% = ₹16/mo
Fuel — earns base; accelerated rate needs booking via hpcl, hp-pay
- Travel & hotels₹10,000 · 0.4% = ₹40/mo
₹3,264 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by ICICI Bank and Hindustan Petroleum (HPCL).
- Joining / annual fee of ₹500 + GST, waived on annual spends of ₹1,50,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (1/quarterly).
Pros & Cons
- Annual fee waivable on ₹1,50,000 spend.
- Complimentary domestic airport lounge access (1/quarterly).
- Accelerated earn worth ≈4.0% on utilities and departmental stores.
- Standard forex markup of 3.50% — suboptimal for international spend.
₹500 welcome benefit
- 2,000 ICICI Bank Reward PointsPay joining fee and spend ₹5,000 within 45 days of issuanceWindow: 45 days from issuance.
Accelerated rewards
- 4 pts per ₹100 on hpcl fuel via hp pay (cap 200 cashback inr / monthly)Merchants: hpcl-fuel-stations, hp-pay4% cashback on fuel purchases at HPCL fuel pumps and the HP Pay app, capped at ₹200/month (no minimum threshold). An additional 1.5% cashback (6 Happy Coins per ₹100) is credited to the HP Pay app wallet on fuel spends made via the HP Pay app.
- 20 pts per ₹100 on utilities and departmental stores (cap 400 points / statement)5% back as 20 Reward Points per ₹100 on utilities (groceries, telecom, government, tax) and departmental stores, capped at 400 Reward Points per statement cycle.
Exclusions
The following spend categories earn no rewards on this card:
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Other benefits
- Roadside Assistance. 24/7 roadside assistance in case of vehicle breakdown.
Sources
- : www.icici.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹2,40,000 p.a.
- Income (self-employed)
- ₹2,40,000 p.a.