ICICI HPCL Super Saver Credit Card is a co-branded fuel credit card that offers great fuel benefits, along with offers on grocery and departmental stores. Even though the fuel cashback of up to 5% is decent, the restriction of availing fuel benefits only on HPCL fuel pumps works as a drawback when compared to other fuel credit cards available in the market. Read on to know additional information about the card.
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Key Highlights of ICICI Bank HPCL Super Saver Credit Card
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| Card Type | Entry-level |
| Best Suited For | Fuel |
| Joining Fee | Rs. 500 |
| Annual Fee | Rs. 500 |
| Welcome Benefit | 2,000 reward points and Rs. 100 cashback on HP Pay app |
| Best Feature | 4% cashback on all fuel spends at HPCL fuel pumps |
| Paisabazaar Rating | ★★★ (3.5/5) |
| On this page |
You can avail the following features and benefits by using this ICICI bank credit card:
Welcome Benefits
Cashback and Reward Points
Note: From 5 Feb 2024, rent pay and e-wallet loading transactions will not accrue any reward points.
Fuel Surcharge Benefits
24X7 Road Side Assistance (RSA) Services
Other Benefits
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One of the most attractive features of ICICI bank HPCL Super Saver credit card is that it provides its users up to 6.5% value back on their fuel purchases every month. This includes 4% monthly cashback on HPCL fuel spends, 1% cashback on fuel surcharge, along with 1.5% savings as reward points on fuel payments made using HP Pay app.
In order to better understand how much you can save on fuel with HPCL ICICI credit card, let’s take an example:
Let the fuel price – Rs.96 per litre
Average fuel consumption every month – 45 litres
So, monthly HPCL fuel spends – Rs. 4,320
Fuel surcharge waiver – 1% of transaction value
Value of 1 ICICI reward point – Rs. 0.25
Now, the savings on fuel would be as follows:
| Parameters | Monthly Savings |
| 4% Cashback on Fuel Spends at HPCL | Rs. 172.8 |
| 1% Cashback on Fuel Surcharge | Rs. 43.2 |
| 1.5% Back as Reward Points on Using HP Pay App | Rs. 64.8 (approx. 259 reward points) |
| Total Monthly Savings | Rs. 280.8 |
| Total Annual Savings | Rs. 3,369.6 |
Therefore, you can save around Rs. 3,370 every year on fuel if you consume 45 litres of HPCL fuel every month.
| Particulars | ICICI HPCL Super Saver | Axis Bank IndianOil | SBI BPCL |
| Annual Fee | Rs. 500 | Rs. 500 | Rs. 499 |
| Annual Fee Waiver | On spending Rs. 1.5 lakh per year | On spending Rs. 50,000 per year | Reversible on Rs. 50,000 spends per year |
| Welcome Benefit | 2,000 reward points on spending Rs. 5,000 within 45 days of card issuance;
Rs. 100 cashback on min. Rs. 1,000 recharge via HP Pay app |
100% cashback up to Rs. 250 on fuel spends within 30 days of card issuance | 2,000 reward points worth Rs. 500 on joining fee payment |
| Reward Benefits on Fuel | 4% cashback up to Rs. 200 per month on fuel at HPCL pumps;
Additional 1.5% savings of up to 300 reward points per month via HP Pay app on fuel at HPCL outlets |
4% back as 20 reward points per Rs. 100 on IOCL pump fuel spends between Rs. 100 & Rs. 5,000 per month | 13X reward points, capped at 1,300 points per cycle, equivalent to 3.25%value back on BPCL fuel |
| Fuel Surcharge Waiver | 1% cashback on fuel surcharge on up to Rs. 4,000 spends | 1% off on fuel spends between Rs. 200 & Rs. 5,000 | 1% waiver up to Rs. 100 per billing cycle |
| Reward Points on other categories | 5% back as reward points up to 400 points per month on grocery, departmental stores & utility bills;
2 reward points per Rs. 100 spent on other retail categories |
1% back as 5 reward points per Rs. 100 spent on online shopping;
1 Edge reward point per Rs. 100 |
5X reward points up to 5,000 points monthly per Rs. 100 spent on groceries, departmental stores, movies & dining;
1 reward point per Rs. 100 non-fuel spend |
| Lounge Access | 1 domestic airport lounge access per quarter on Rs. 35,000 spends in the previous quarter | NA | NA |
| Other Benefits |
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ICICI HPCL Super Saver Credit Card is a good option for you, if you are looking for decent fuel benefits along with benefits on grocery and departmental stores. The card offers good value back on fuel spends with up to 5% cashback and 1.5% back as reward points. These reward points can later be redeemed on fuel purchase or against the rewards catalogue. However, the benefits are limited to only HPCL fuel pumps and not available on any other fuel outlets. Though the cashback offered is good, since it is restricted to HPCL pumps, this could be a drawback if you want benefits on all your fuel spends across different brands.
Apart from fuel, this credit card offers an average reward structure of 2 reward points per Rs. 100, discount on movie tickets at Inox and BookMyShow, and dining benefits. Though these benefits are average, these are still good factors to consider if you are looking for a fuel credit card with cross category benefits.
A detailed feature-wise card rating has been provided below for this co-branded fuel credit card for your perusal:
| Parameters | Rating |
| Fuel Benefits and Rewards | ★★★★(4/5) |
| Annual Fee | ★★★(3/5) |
| Lounge Access | ★(1/5) |
| Additional Benefits | ★★★(3/5) |
| Overall Rating | ★★★(3.5/5) |
On a concluding note, ICICI HPCL credit card can be a good option if you use your personal vehicle for daily commute and can ensure to stay loyal to purchasing fuel at the HPCL pumps only to gain maximum benefits. However, if you are looking for benefits on all your fuel transactions without being restricted to any specific brand, then you should consider checking out other Popular Fuel Credit Cards in India.
| Fee Type | Details |
| Joining Fee | Rs. 500 |
| Annual Fee (from 2nd year onwards) | Rs. 500 (Can be waived off on spending Rs 1.5 lakh per year) |
| Supplementary Card Fee | Rs. 100 |
| Finance Charges | 3.5% per month or 42% annually |
| Late Payment Fee | For the amount due: Less than Rs. 100- None Between Rs. 100 to Rs. 500- Rs. 100 Between Rs. 501 to Rs. 5,000- Rs. 500 Between Rs. 5,001 to Rs. 10,000- Rs. 750 Between Rs. 10,001 to Rs. 25,000- Rs. 900 Between Rs. 25,001 to Rs. 50,000- Rs. 1,000 More than Rs. 50,000- Rs. 1,200 |
Click here to check associated charges, along with other terms and conditions.
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Minimum Income | To be communicated at the time of sourcing |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of acceptable documents |
| Credit Card | Annual Fee | Comparative Feature |
| SBI BPCL Octane Credit Card | Rs. 1,499 | 7.25% value back at BPCL petrol pumps |
| HDFC Bharat Cashback Credit Card | Rs. 500 | 5% monthly cashback on fuel spend |
| IndianOil HDFC Credit Card | Rs. 500 | 5% back as fuel points on IndianOil, bills & grocery spends |
| ICICI Bank HPCL Coral Credit Card | Rs. 199 | 2.5% cashback HPCL pumps |
Q. What can I use my earned ICICI HPCL credit card reward points for?
A. You can redeem your earned ICICI reward points to buy fuel at HPCL pumps and against the items available in ICICI rewards catalogue.
Q. Do add-on cardholders get the joining benefit on this card?
A. No, add-on card holders do not get the joining benefits of 2,000 reward points on this card. It is applicable only for primary cardholders.
Q. Do I get the annual fee waiver on this card?
A. Yes, you are eligible for an annual fee waiver of Rs. 500 from second year onwards, if you spend more than Rs. 1.5 lakh during the anniversary year with this card.
Q. Does the card offer a fuel surcharge waiver?
A. Yes, the card offers a fuel surcharge waiver of 1% over and above the cashback benefit of 4%.
Q. I get any benefit on International spends?
A. The card offers 2 pay back points per Rs. 100 on international transactions.
