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Last updated: 13 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5% value back on Fuel, Groceries & Utilities
Earn 5% back (4% as Reward Points + 1% surcharge waiver) on HPCL fuel purchases. Earn 5% back as Reward Points on Groceries, Departmental Stores, and Utility Bill payments (capped at 400 points per month). Earn 2 Reward Points per ₹100 spent on all other retail categories. 1 Reward Point = ₹0.25.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee of ₹500 is waived off on spending ₹1,50,000 or more in the previous anniversary year
1 complimentary Domestic Airport Lounge visit per quarter (subject to spending ₹35,000 in the preceding calendar quarter)
25% discount on movie tickets via BookMyShow and Inox (up to ₹100 per transaction, twice a month)
Complimentary 24x7 Roadside Assistance (RSA) services
An honest read on where this card earns its keep — and where it doesn't.
Excellent all-rounder for entry-level (Fuel
Groceries, and Utilities combined)
Available on the RuPay network for UPI payment integration
Offers movie discounts which is rare for a fuel co-branded card
Includes complimentary Roadside Assistance (RSA)
High annual fee waiver milestone (₹1.5 Lakhs) compared to competitors
Lounge access is now strictly tied to a ₹35,000 quarterly spend target
Strict monthly caps on accelerated reward points (400 points per month on groceries/utilities)
Low base reward rate of 0.5% on generic spends
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with ICICI Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how ICICI Bank HPCL Super Saver Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about ICICI Bank HPCL Super Saver Credit Card fees, reward conversion, lounge access, and application eligibility.
ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "2,000 Reward Points upon payment of the joining fee, plus ₹100 cashback on the first recharge of the HP Pay app wallet (minimum ₹1,000)".
ICICI Bank HPCL Super Saver Credit Card earns ICICI Bank Reward Points at a primary rate of Up to 5% value back on Fuel, Groceries & Utilities. Specifically, Earn 5% back (4% as Reward Points + 1% surcharge waiver) on HPCL fuel purchases. Earn 5% back as Reward Points on Groceries, Departmental Stores, and Utility Bill payments (capped at 400 points per month). Earn 2 Reward Points per ₹100 spent on all other retail categories. 1 Reward Point = ₹0.25.. Spends in Fuel, Entry Level categories provide the maximum valueback per transaction on this card.
Yes, because ICICI Bank HPCL Super Saver Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on ICICI Bank HPCL Super Saver Credit Card can be redeemed for HP Pay App (for fuel purchases), ICICI Bank Rewards Catalogue, Cashback / Statement Credit via ICICI Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, ICICI Bank HPCL Super Saver Credit Card features complimentary airport lounge privileges. Privileges include: "1 complimentary Domestic Airport Lounge visit per quarter (subject to spending ₹35". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of ICICI Bank HPCL Super Saver Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
ICICI Bank HPCL Super Saver Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
ICICI Bank HPCL Super Saver Credit Card currently features a welcome offer: "2,000 Reward Points upon payment of the joining fee, plus ₹100 cashback on the first recharge of the HP Pay app wallet (minimum ₹1,000)". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent all-rounder for entry-level (Fuel and Groceries. However, keep in mind that High annual fee waiver milestone (₹1.5 Lakhs) compared to competitors and Lounge access is now strictly tied to a ₹35. Overall, ICICI Bank HPCL Super Saver Credit Card delivers strong value if your regular spending aligns with Fuel, Entry Level.
Yes, ICICI Bank HPCL Super Saver Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
