ICICI Bank HPCL Super Saver Credit Card Review (2026)

Quick verdict: The ICICI Bank HPCL Super Saver Credit Card is best for fuel (hpcl) + essentials. It earns 5% on HPCL fuel, 20X essentials, with an annual fee of Rs 500 (waiver on Rs 1.5L spend). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The ICICI Bank HPCL Super Saver is a fuel card that rewards more than just fuel: 5% back at HPCL pumps, accelerated points on daily essentials, and even a quarterly lounge visit and movie discounts.

With a low Rs 500 fee and a Rs 1.5 lakh waiver, it is a versatile pick for HPCL customers who also want everyday rewards.

Fees & Charges

Rewards & Benefits

• 5% value-back on fuel at HPCL outlets (4% cashback plus a 1% surcharge waiver).
• 20 reward points per Rs 100 on daily essentials such as mobile and electricity bills and departmental stores.
• 2 reward points per Rs 100 on other retail spends.
• 1 complimentary domestic airport lounge visit per quarter and 25% off on BookMyShow and INOX.
• Complimentary 24×7 roadside assistance and a 2,000-point welcome bonus.

Pros & Cons

Who Should Get This Card?

• Drivers who refuel mainly at HPCL pumps
• Households wanting fuel plus utility/essentials rewards
• Anyone wanting a fuel card with lounge and movie perks

Frequently Asked Questions

How to Get the Most from the ICICI Bank HPCL Super Saver Credit Card

• Use it where it is strongest — fuel (hpcl) + essentials — where it earns 5% on HPCL fuel, 20X essentials; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Rs 500 (waiver on Rs 1.5L spend)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on ICICI Bank and the card variant, but for the ICICI Bank HPCL Super Saver Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing ICICI Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 5% on HPCL fuel, 20X essentials. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

• IndianOil HDFC Bank Credit Card — Fuel savings
• BPCL SBI Card Octane — Fuel savings (BPCL)
• IDFC FIRST Power Credit Card — Low-fee fuel (HPCL)
• IndianOil RBL Bank XTRA Credit Card — High fuel savings (IndianOil)
• ICICI Bank Coral Credit Card — Entry-level lifestyle