ICICI Bank
HPCL Super Saver Card
The ICICI HPCL Super Saver Credit Card is a co-branded fuel card designed to help cardholders save on their fuel and daily essential purchases. As an entry-level card with a low annual fee of Rs.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 6 June 2026.
At a Glance
Annual Fee
₹500
Joining Fee
₹500
Fee Waiver
Spend ₹1,50,000 annually
Lounge Access
See details
Forex Markup
3.5%
Effective Yield
0.5% – 5%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The ICICI HPCL Super Saver Credit Card is a co-branded fuel card designed to help cardholders save on their fuel and daily essential purchases. As an entry-level card with a low annual fee of Rs. 500, it offers an accessible route for beginners to earn value-back on fuel transactions made at HPCL petrol pumps, along with select everyday spending categories.
Cardholders can earn 4% cashback on fuel purchases at HPCL pumps, plus an extra 1.5% savings in reward points when paying through the HP Pay app. It also offers 5% back in reward points on departmental stores, mobile bills, and electricity payments, alongside lifestyle perks like a 25% discount on movie tickets on BookMyShow and INOX, and conditional domestic lounge access.
This credit card is best suited for individuals with moderate monthly fuel expenditures who want a low-cost card to optimize these transactions. However, because its total monthly savings are strictly capped, heavy spenders may find that competing fuel cards offer greater overall value.
What We Like
We appreciate that this card makes fuel savings highly accessible with a low annual fee while bundling helpful daily perks like utility rewards, movie discounts, and complimentary 24x7 roadside assistance.
Pros
- ✓Earn 5% in value-back on your fuel purchases.
- ✓Get 5% back on utility bills, mobile payments, and departmental store purchases.
- ✓Save 25% on movie tickets booked via BookMyShow and INOX.
- ✓Enjoy complimentary domestic airport lounge access.
- ✓Access free 24x7 emergency roadside assistance services.
Cons
- ✗Total monthly value-back is strictly capped at Rs. 300.
- ✗Lounge access is conditional upon meeting a spend milestone in the previous quarter.
- ✗Overall value-back rate is low compared to other entry-level alternatives.
Get This Card If
- ✓You spend a significant amount on fuel every month and would like to save on this spend
- ✓You want a low annual fee entry-level credit card
- ✓You do not need benefits on travel, dining or other specific categories
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| HPCL Fuel (Standard Swipe) | 4% Cashback + 1% Waiver | 5.00% | ₹200 Cashback per month |
| Groceries, Utilities & Dept. Stores | 20 RP per ₹100 | 5.00% | 400 RP (₹100 value) per month |
| Other Retail Spends | 2 RP per ₹100 | 0.50% | No Upper Cap |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.1 Lakh | Welcome Bonus2,000 pts | ₹500 Value | Awarded upon spending ₹5,000 within 45 days of card issuance and fee payment. |
| ₹1.5 Lakh | Fee Waiver | ₹500 + GST Savings | Annual fee for the following year is waived upon hitting this spend target. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| HP Pay App (Instant Fuel) | ₹0.25 per point4:1 Ratio | Best Value (No redemption fee when converted to fuel credits via app) |
| ICICI Rewards Catalogue | ₹0.25 per point4:1 Ratio | Avoid (Standard ₹99 + GST redemption fee applies) |
What You Need to Know
New Fuel Spend Fee (2026)
A 1% fee is now levied on total fuel spends exceeding ₹10,000 per month.
Impact: For heavy commuters, this fee will negate the cashback earned on the excess amount.
Lounge Spend Trigger (2026)
Domestic lounge access now requires a spend of ₹75,000 in the previous quarter.
Impact: Makes the lounge perk difficult to maintain for what is otherwise a low-spend fuel card.
Essential Fine Print
Reward Exclusions
Excluded Categories: Rent payments and e-wallet loading transactions do not earn reward points.
Welcome Offer
Bonus Reward Points
2,000 Reward Points credited upon payment of the joining fee and spending ₹5,000 within 45 days of card issuance.
Lounge Access
Domestic Lounge Access
1 complimentary domestic airport lounge visit per quarter, provided a minimum spend of ₹75,000 is met in the previous calendar quarter.
Milestone Benefits
Annual Fee Waiver
The renewal fee of ₹500 is waived if the total spends on the card exceed ₹1,50,000 in the previous anniversary year.
Additional Features
Lifestyle Rewards
5% Reward Points on grocery, departmental stores, and utility bill payments.
Standard Rewards
2 Reward Points for every ₹100 spent on all other categories, excluding fuel and rent.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹500 |
| Annual / Renewal Fee | ₹500 |
| Fee Waiver Threshold | Spend ₹1,50,000 annually |
| Forex Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Primary cardholder must be between 21 and 65 years of age.
Income
Minimum monthly income requirement of ₹20,000 for salaried individuals and annual income of atleast ₹2,40,000 for self-employed.
Ready to apply for HPCL Super Saver Card?
Annual fee: ₹500 · Waived on ₹1,50,000 spend
Frequently Asked Questions
Annual fee
₹500
0.5% – 5% yield