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The ICICI HPCL Super Saver Credit Card is a co branded credit card , launched by two leading organizations, Hindustan Petroleum Corporation Limited (HPCL) and the ICICI Bank. It provides attractive incentives on HPCL fuel purchases. This co branded credit card also provides benefits on shopping & entertainment spending.

Brief Summary

Our Rating
4.0 / 5

Our view :

Best for those who spend upto ₹5000 , on monthly fuel purchases, and are comfortable with being restricted only to HPCL fuel pumps. You get a total of 6.50% benefit on fuel purchases, including a 1% fuel surcharge waiver.

The card also offers complimentary domestic airport lounge access , and a high 5% benefit rate on department store purchases and utility bill payments (but only on total combined spends of upto ₹2000 per month in these categories).

The annual spend target of ₹1.50 lakhs to get an annual fee waiver is relatively high.

ICICI Super Saver Credit Card Review

on ICICI Bank website

ICICI HPCL Super Saver Credit Card

Special Benefits

6.50% benefit on HPCL fuel purchases

Other Benefits

Complimentary airport lounge access in India

Minimum Income

Not specified

Annual Fee

₹ 500

Annual Fee Offers

Welcome offer worth ₹ 500

Renewal fee waiver at ₹ 1.50 lakhs annual card spend

ICICI HPCL Super Saver Credit Card : Summary Table

6.50% earning on fuel purchases
4% cashback on HPCL fuel purchases
1.50% additional benefit on HPCL fuel purchases through HP Pay App
1% fuel surcharge waiver

4% special cashback on HPCL fuel purchases – You earn ₹4 , on every ₹100 you spend at HPCL pumps – only on HPCL fuel expenses of upto ₹5,000 per month

Additional benefits of 1.50% on HPCL fuel purchase, by paying through HP Pay App: You earn additional ₹1.50 , on every ₹100 you purchase using your HP Pay app at HPCL outlets

1% fuel surcharge waiver – at all fuel stations , only on all fuel purchases upto ₹4,000 per month.
5% benefit on departmental store purchases, and electricity/ mobile bill paymentsYou earn ₹5 , on every ₹100 you spend on electricity/mobile bills and at departmental stores – only on combined total purchases of upto ₹2,000 per month
0.50% benefit on all other purchasesYou earn ₹0.50 (50 paise) , on every ₹100 you spend on all other purchases.
Complimentary airport lounge access in IndiaComplementary domestic airport lounge access – upto 4 times per year (maximum once per calendar quarter). This is valid in the current calendar quarter, only if you have spent a minimum of ₹5,000 in the previous calendar quarter.

Please click here , to view updated list of lounges.
25% benefit at BookMyShow moviesWhen you buy a minimum of two tickets, you get a 25% discount on a purchase up to ₹400 (since maximum discount is ₹100). On a purchase more than ₹400, your discount% will be lower than 25%.

This offer can be availed maximum 2 times per month.
25% benefit at INOX moviesWhen you buy a minimum of two tickets, you get a 25% discount on a purchase up to ₹400 on the 2nd ticket (since maximum discount is ₹100). On a purchase more than ₹400, your discount% will be lower than 25%.

This offer can be availed maximum 2 times per month.
24/7 Automobile Assistance PrivilegesYou get complimentary 24×7 road side assistance. Services include assistance over the phone, “on-site” vehicle repair, replacement/ locked or lost keys, flat tyre support, battery jumpstart, battery replacement & fuel delivery. For details, please click here, and here
₹500 annual feeAnnual fee offers – 
Welcome offer worth ₹500 : You get 2000 Reward points worth ₹500 – on annual fee payment AND spending a minimum of ₹5,000 on the card, within 45 days of getting it.
Renewal fee offer : Annual fee is not charged from the 2nd year onwards – if you spend ₹1,50,000 or more in the previous year.

Pros and Cons

Benefits of using the Card

  • Attractive benefit rate of 6.50% on HPCL fuel spends – 5.50% if you pay through HP Pay App , PLUS 1% fuel surcharge waiver
  • 5% benefit on departmental stores, electricity & mobile bill payments
  • 1st year annual fee is compensated by joining benefits of ₹500
  • Complimentary lounge access to domestic airport lounges once every quarter, i.e. upto 4 times annually
  • 25% discount on movie tickets
  • 24/7 Automobile Assistance Privileges, including assistance over the phone, “on-site” vehicle repair, replacement/ locked or lost keys, flat tyre support, battery jumpstart, battery replacement & fuel delivery.

Limitations and drawbacks to consider

  • The card might not be suitable for individuals who incur fuel expenses well over ₹5000 per month
  • The monthly spend limit to achieve 5% benefit on promotion category (departmental store purchases, electricity & mobile bill payments) is quite low
  • The annual spend target (of ₹1.50 lakhs) to achieve renewal fee waiver is comparatively high

Comparing with Competitor Fuel Credit Cards

Features
ICICI HPCL Super Saver Credit Card
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HPCL BOB ENERGIE Credit Card
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Rewards Rate 0.5% to 5%

0.3% – 4%

5%

0.66% – 4.8%

Other benefits Fuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge Waiver
Annual Fee ₹500 + GST

₹499

₹750

₹500

Annual Fee Offers Fee waiver on annual spends of ₹1,50,000 lakhs.

Zero renewal fees – if minimum spending in the previous year is ₹50,000

Annual Fee Reversal on meeting ₹90,000 spends

Zero renewal fees – if minimum spending in previous year is ₹50,000

Minimum Income Not SpecifiedOver ₹3,60.000 for
salaried individuals
and ₹ 4,80,000 for
self-employed individuals.
₹55,000Over ₹10,000 for salaried individuals & ₹6,00,000 for self-employed individual

Full Review : ICICI Bank HPCL Super Saver Credit Card

ICICI Super Saver Credit Card Review

Features & Benefits of the ICICI Bank HPCL Super Saver Credit Card

6.50% special benefit on HPCL fuel purchases

✔︎ 4% cashback on HPCL fuel purchases (without using HP Pay App)

Earning & redeeming reward points on HPCL fuel purchases : You get 4% cashback = you earn ₹4 on every ₹100 HPCL fuel purchase. The cashback is credited (as a payment) in your credit card statement.

Restrictions on special benefits in this category : You get 4% special cashback on HPCL fuel purchases , only on HPCL fuel purchases upto ₹5000 per month.

✔︎ 1.50% additional benefit on HPCL fuel purchases (by using HP Pay App)

Earning reward points : You earn 6 Payback points on every ₹100 purchase = ₹1.50 on every ₹100 purchases , since 1 Payback point = ₹0.25 or 25 paise

Restrictions on special benefits in this category : You get 1.50% special benefit (as described above) only on HPCL fuel purchases upto ₹5000 per month.

Redeeming reward points : You can redeem your Payback points on this website – zillionrewards.in (earlier was called Payback and now has been rebranded to zillionrewards). 1 Payback point = ₹0.25 or 25 paise

✔︎ 1% fuel surcharge waiver

  • Applicable fuel stations and brands : Fuel surcharge is applicable at all fuel stations.
  • Monthly limits on waiver benefits : Waiver is given only on fuel purchases upto ₹4,000 per month , since the maximum waiver amount is ₹40 per monthly card billing cycle.

5% special benefit on departmental store purchases, and electricity/ mobile bill payments

Earning reward points : You earn 20 reward points on every ₹100 purchase in this category = ₹5 on every ₹100 purchase (since 1 reward point = ₹0.25)

Redeeming reward points : You can redeem these reward points on the ICICI Bank Rewards platform. ICICI Bank Rewards platform has a range of exciting offers, including merchandise, gift vouchers, travel bookings, and more. Please click here for details. You can access the ICICI Bank Rewards platform through the ICICI Bank Rewards Portal, mobile app or internet banking. 1 reward point = ₹0.25

Restrictions on special benefits : You get special benefits in this category only on combined total purchases upto ₹2000 per month, since you can earn a maximum of 400 reward points per month at this accelerated rate. After the first ₹2000 spent in this category during the month, you will earn basic benefit rate of 2 reward points (worth ₹0.50 or 50 paise) on every ₹100 you spend on additional purchases in the month.

Other important information : Reward points are valid for 3 years.

0.50% basic benefit on all other spends

Earning reward points : You earn 2 reward points on every ₹100 purchase = ₹0.50 (50 paise) on every ₹100 purchase , since 1 reward point = ₹0.25 or 25 paise. There are no monthly restrictions on earning reward points.

Redeeming reward points & other important information : same as explained in the section above

Complimentary access to domestic airport lounges

You get free visits to airport lounges in India , upto 4 times per year (maximum once per quarter). Please note that this benefit is provided in a particular quarter only if you have spent a minimum of ₹5000 on your card in the previous quarter. Please click here & here for all details and list of lounges.

Automobile Assistance Privileges

You get complimentary 24×7 road side assistance, including assistance over the phone, “on-site” vehicle repair, towing of vehicle, replacement of locked or lost keys, flat tire support, battery jumpstart, battery replacement & fuel delivery, vehicle repatriation.

Customers will be eligible to avail roadside assistance on payment of joining fee, post which your contact details will be sent to the service provider. The provider will send a confirmation SMS on your registered mobile number with instructions for utilising the service. After the first year, you shall be automatically registered for the second year on payment of annual fee.

For details, please click here, and here

25% benefit at BookMyShow movies

When you buy a minimum of two tickets, you get a 25% discount on a purchase up to ₹400 (since maximum discount is ₹100). On a purchase more than ₹400, your discount% will be lower than 25%. For example, if you buy 2 tickets worth ₹500, you will get a maximum discount of ₹100, and your discount% will fall to 20%.

This offer can be availed maximum 2 times per month.

Note – the BookMyShow feature on your American Express Credit Card will not be given upfront discount on BookMyShow App/Website , instead the applicable cashback will be credited into customer statement within 60 days of transaction.

25% benefit at INOX movies

When you buy a minimum of two tickets, you get a 25% discount on a purchase up to ₹400 (since maximum discount is ₹100). On a purchase more than ₹400, your discount% will be lower than 25%. For example, if you buy 2 tickets worth ₹500, you will get a maximum discount of ₹100, and your discount% will fall to 20%.

This offer can be availed maximum 2 times per month.

Important terms and conditions : please click here for BookMyShow and please click here for Inox.

Other Cardholder Benefits

24/7 customer supportPlease click here for all the options to contact the bank
Security featuresChip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards usually includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even your card is lost it is unlikely to be misused since BOTH the physical card and the PIN is required to spend on the card

Two-factor authentication – security for online transactions : When making an online transaction, you usually approve your online transaction through using a One-time Password (OTP) which you get on your mobile phone . Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you usually get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of your card being misused, you would still get these alerts and notifications – which will help you to immediately block your credit card.

Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹500Welcome offer : You get 2000 reward points worth ₹500 , on annual fee payment AND spending a minimum of ₹5,000 on the card, within 45 days of getting it
Renewal fee from 2nd year onwards₹500Renewal fee offer : annual fee from the 2nd year onwards is not charged, if you spend ₹1,50,000 or more in the previous year on your card.

Late payment fee

Late payment fee depends on the total payment due

Amount dueLate fee
Less than ₹100NIL
₹100 to ₹500₹100
₹501 to ₹5,000₹500
₹5,001 to ₹10,000₹750
₹10,001 to ₹25,000₹900
₹25000 to ₹50000₹1000
More than ₹50000₹1200

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% per annum)

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – ICICI HPCL Super Saver Credit Card Fees & Charges

Eligibility Criteria

Minimum age21 years or above
Maximum age60 – 65 years
Occupation Salaried or self-employed
Other criteriaRegular source of income, good credit score preferably over 750, etc.

Application Process & Tracking Application Status

Step-by-step guide

Online application process 
The easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the ICICI Bank website. You can also visit official website of the bank and fill out the application form.

Steps –
– Fill out the online application form with basic personal details
– Fill out additional details along with basic documents details
– Verification and opening of card
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Tracking your application statusTo track your credit card application status, please click here – ICICI Bank Credit Card Application Status.

Necessary documents and verification

We are listing below general criteria followed by most card issuing banks, since exact criteria has not been specified for this particular card. The bank may ask for additional documents.

Required documents 
– PAN card

– Identity proof : PAN card , driving license, valid passport, voter ID (any one)

– Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)

– Income proof : latest salary slip/s, income tax returns etc

Conclusion

As you can see, your personal circumstances would dictate the best card for you.

ICICI Bank HPCL Super Saver Credit Card is a great fuel card option for those who spend about ₹5,000 per month on fuel, and do not mind being restricted only to HPCL fuel pumps. On these spends one can earn upto 6.50% rewards on HPCL fuel purchases (including 1% fuel surcharge waiver).

This card also gives a great reward rate of 5% on departmental stores, electricity and mobile bills, though the monthly spend cap (of ₹2,000) to earn this special benefit is fairly low. So as a specialist fuel card, the ICICI HPCL Super Saver Credit Card is a valuable addition to any wallet.

Apply Now

on ICICI Bank website

Frequently Asked Questions

What are the benefits of the ICICI Bank HPCL Super Saver Credit Card?

ICICI HPCL Super Saver Credit Card comes with a range of benefits such as 6.50% benefit rate on HPCL fuel spends, 5% benefit rate at departmental stores and on electricity & mobile bill payments. Additionally, customers can enjoy fuel surcharge waivers, exclusive discounts and offers on various brands through ICICI’s exclusive partnerships.

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

The annual fee for ICICI HPCL Super Saver Credit Card is ₹500

How can I apply for an ICICI HPCL Super Saver Credit Card?

You have several options. You can apply for ICICI HPCL Super Saver Credit Card easily by clicking here or through ICICI Bank’s website. You can also visit the nearest ICICI Bank branch, or by calling ICICI Bank customer care.

What are the eligibility criteria for ICICI HPCL Super Saver Credit Card?

The eligibility criteria for ICICI HPCL Super Saver Credit Card include the following:
Being an Indian resident.

  • Being an Indian resident.
  • Having a minimum age of 21 years.
  • Meeting various requirements set by ICICI Bank such as minimum income, credit score etc.
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