ICICI HPCL Super Saver Credit Card Review 2026
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ICICI HPCL Super Saver Credit Card Review 2026

The ICICI hpcl super saver credit card is a co-branded fuel card from ICICI Bank and HPCL offering 5% total savings on HPCL fuel (4% cashback + 1% surcharge waiver), 5% via reward points on grocery, utility, and departmental stores, 1 domestic lounge per quarter, 25% off BookMyShow/INOX, and complimentary 24/7 roadside assistance. Annual fee ₹500, waived at ₹1.5L spend. Also known as the HPCL Super Saver Credit Card.

3.5
/5
Card24 Score
Rewards
3.6
Travel
2.5
Fees
3.9
Last reviewed July 2026 · Card24.ai editorial team
ICICI HPCL Super Saver
Annual Fee
₹500*
Fuel Benefit at HPCL
5% total savings on HPCL fuel
Grocery/Utility/Departmental Earn
20 reward points per ₹100*
Lounge Access
1 complimentary domestic airport lounge access*

Credit Card Verdict ICICI HPCL Super Saver

What we like

  • The icici hpcl super saver credit card delivers a genuinely compelling 5% return on HPCL fuel - one of the highest fuel cashback rates at the ₹500 fee tier in India. The 4% direct cashback is credited automatically to the statement, with no points-to-cashback conversion required. Add the 1% fuel surcharge waiver and a dedicated HPCL user filling ₹5,000/month in fuel earns ₹200 cashback + ₹50 surcharge saved = ₹250/month = ₹3,000/year in fuel savings from a ₹500 card.
  • The 5% return on grocery, utility bills, and departmental stores - at 20 RP per ₹100 - extends value well beyond the petrol pump. A household spending ₹3,000/month on grocery and ₹1,500 on electricity bills earns 900 RP (₹225 value) monthly from those categories alone. Combined with fuel, a regular cardholder can earn ₹300–₹400 in combined monthly value - recovering the ₹500 annual fee in the first 2 months.
  • The complimentary 24/7 roadside assistance is a genuine differentiator for daily car and bike commuters - a benefit most credit cards at ₹500/year simply don't offer. Emergency towing, flat tyre support, key lockout assistance, and onsite vehicle repair are available on call at no extra charge. For any cardholder who drives regularly in Indian cities, this benefit alone has real emergency value.
  • The welcome benefit of 2,000 reward points (worth ₹500 at ₹0.25/RP) plus ₹100 HP Pay cashback on spending ₹5,000 within 45 days effectively offsets the entire ₹500 joining fee in Month 1. The HPCL Super Saver is rare among ₹500 fuel cards in delivering a welcome package that makes Year 1 cost-neutral - most competing fuel cards at this fee point offer minimal or no welcome benefits.

Watch out for

  • The overall monthly earning cap of ₹300 in combined cashback and accelerated reward points is the card's most significant limitation. At 4% fuel cashback capped at ₹200/month and 400 RP cap across accelerated categories - the maximum monthly benefit is fixed regardless of how much you spend above the thresholds. Heavy spenders hitting ₹8,000–₹10,000/month on fuel and grocery will find the cap very restrictive. The card is optimised for moderate spenders, not high-volume users.
  • The domestic lounge access comes with a quarterly spend condition - revised effective April 2026. As of August 2026, the threshold is reported at ₹75,000/quarter (previously ₹35,000). This means you must spend ₹75,000 in a calendar quarter to access the lounge in the following quarter - at a ₹500/year card, this is a high bar. Always verify the current lounge spend condition at icicibank.com before planning any lounge visit.
  • From April 1, 2026, the BookMyShow and INOX movie discount (25% off, up to ₹100, 2x/month) now requires ₹25,000 in card spend in the preceding quarter to be eligible. This is a new spend condition added in the April 2026 revision - cardholders using this card primarily for fuel and expecting free movie access without hitting ₹25,000 quarterly spend will find themselves ineligible. Verify current movie offer conditions at icicibank.com.
  • The fuel cashback applies only at HPCL fuel stations - not BPCL, Indian Oil, or private fuel brands. Cardholders who switch fuel stations or live in cities with limited HPCL coverage will earn 2 RP/₹100 (0.5%) on non-HPCL fuel - a 10x lower return than at HPCL. This card is purpose-built for HPCL loyalty. Additionally, the 3.5% forex markup makes it unsuitable for international use.

Card24.ai review based on icicibank.com + verified aggregators as of August 2026. ICICI Bank revised HPCL Super Saver terms on Feb 1, 2026 and Apr 1, 2026 - lounge spend condition and movie offer eligibility changed. Fuel cashback capped ₹200/month. Overall monthly cap ₹300 combined. 3.5% forex markup. Annual fee ₹500 waived at ₹1.5L spend. Verify all current terms at icicibank.com/mitc.

Credit Card Achievers ICICI HPCL Super Saver

Is the ICICI HPCL Super Saver Credit Card Worth ₹500 a Year?

The icici hpcl super saver credit card is worth ₹500/year for any household that fills fuel exclusively at HPCL and spends ₹4,000+ monthly on fuel. At 4% cashback on fuel capped at ₹200/month, the annual fuel cashback alone (₹2,400) is 4.8 times the annual fee. Even at half capacity - ₹2,000/month in HPCL fuel - the card generates ₹80/month or ₹960/year in direct cashback against a ₹500 fee. The welcome 2,000 RP worth ₹500 plus ₹100 HP Pay cashback means Year 1 is effectively free. The value deepens significantly when grocery, utility bills, and departmental store spends are added at 5% earn. A household spending ₹3,000/month on grocery + ₹1,500 on electricity earns 900 RP (₹225/month) from those categories. Combined with the maximum ₹200 fuel cashback, a fully-engaged household earns up to ₹300/month in combined value (capped by the overall ₹300 monthly limit) - or ₹3,600/year against a ₹500 annual fee. The domestic lounge (conditional on quarterly spend) and 25% BookMyShow discount (conditional from April 2026) add lifestyle value on top. The HPCL Super Saver is one of the best value-for-fee fuel cards available at ₹500 in India. For heavy online shoppers whose spend is primarily on e-commerce rather than HPCL fuel, the 0.5% base earn on non-accelerated categories is too low. For online-first spenders, BOBCARD Cashback delivers 5% on all online purchases with no merchant restrictions at ₹499/year: https://www.card24.ai/bobcard/cashback-credit-card-review

Best For: HPCL-loyal commuters and households spending ₹3,000–₹5,000/month on HPCL fuel and ₹2,000–₹4,000 on grocery and utility bills - who want 5% on all three categories, a domestic lounge, and 24/7 roadside assistance at just ₹500/year.

ICICI HPCL Super Saver Credit Card Benefits

How to Get Maximum Value from the ICICI HPCL Super Saver Credit Card

Use HP Pay at HPCL for 6.5% Total Fuel Value - Downloading the HP Pay app and linking the HPCL Super Saver card to it unlocks an additional 1.5% in reward points on HPCL fuel purchases - on top of the standard 4% cashback and 1% surcharge waiver. This makes HPCL fuel purchases via HP Pay worth up to 6.5% total value. At ₹5,000/month on HPCL fuel via HP Pay: ₹200 cashback + ₹50 surcharge + ₹75 additional RP = ₹325/month vs ₹250/month without HP Pay. Verify current HP Pay offer at icicibank.com. Route Grocery and Utility Bills for 5% RP Earn - At 20 RP per ₹100 on grocery and utility (5% return), route all supermarket bills, electricity, gas, and mobile recharges through this card. But track the 400 RP monthly cap - at 20 RP/₹100, it's reached at ₹2,000 in non-fuel accelerated spend. Once the fuel cashback is counted, the remaining RP cap may be lower. Use the ICICI iMobile app to track monthly earn against caps in real time. Hit the Quarterly Spend Threshold for Lounge Access - Domestic lounge access requires meeting the quarterly spend condition in the preceding quarter - currently reported at ₹75,000/quarter after the April 2026 revision. Route insurance premiums, school fees, and large purchases through this card in the quarter before your planned travel to ensure eligibility. Verify the current threshold at icicibank.com before each quarter as it has changed twice in 2026. Pay the Full Bill Monthly to Avoid 3.75% Finance Charge - The finance charge of 3.75%/month (45%/year) wipes out all fuel and grocery earn if carried month-to-month. At ₹5,000 outstanding balance, the monthly finance charge is ₹187.50 - almost exactly the fuel cashback earned. Set an autopay on iMobile or ICICI Netbanking for the full outstanding statement balance before the payment due date every month. Pair With a Cashback Card for Online and Non-HPCL Spending - This card earns 0.5% on online shopping, dining, and non-HPCL categories - near-zero return for most digital spend. For all online purchases where this card under-delivers, pair it with BOBCARD Cashback for 5% on all online spends: https://www.card24.ai/bobcard/cashback-credit-card-review

ICICI HPCL Super Saver Credit Card Annual Fees

Joining / Annual Fee ₹500 + GST | Annual fee waived from Year 2 on ₹1,50,000 annual spend | Add-on card: ₹100 one-time fee per card
Fuel Cashback - HPCL 4% cashback at any HPCL fuel pump | Capped at ₹200/month | Cap reached at ₹5,000 HPCL fuel/month
Fuel Surcharge Waiver 1% at all fuel stations | Combined with 4% HPCL cashback = 5% total at HPCL | 1% only at non-HPCL stations
HP Pay Additional 1.5% additional RP on HPCL fuel via HP Pay app - total 6.5% with HP Pay | Verify at icicibank.com
Grocery/Utility/Departmental 20 RP per ₹100 = 5% at ₹0.25/RP | Cap: 400 RP/month across ALL accelerated categories | Overall cap: ₹300 combined/month
Base Earn 2 RP per ₹100 on all other retail = 0.5%
RP Value + Redemption ₹0.25 per reward point | ICICI Rewards portal: vouchers, merchandise, cashback
Welcome 2,000 RP (₹500) + ₹100 HP Pay cashback on ₹5,000 spend within 45 days
Lounge 1 domestic lounge/quarter - spend condition applies (verify at icicibank.com after Apr 2026 revision) | Primary cardholder only
Movie Offer 25% off (up to ₹100) BookMyShow/INOX, 2x/month, min 2 tickets | Spend condition applies from Apr 2026 | Verify at icicibank.com
Forex Markup 3.5% on international transactions

ICICI HPCL Super Saver Credit Card Eligibility & Documents

Age 21 years and above | verify current age criteria at icicibank.com
Minimum annual income Minimum monthly income criteria - verify at icicibank.com | Typically ₹20,000–₹25,000/month net for entry-level ICICI cards
Documents required PAN card · Aadhaar card or alternate government-issued photo ID · Latest 3 months salary slips · Form 16 or latest ITR · Address proof
Residency Indian Resident | Not available to NRIs on standard application

Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.

How to Apply for ICICI HPCL Super Saver Credit Card

The application process is entirely online and takes about 5-7 minutes.

*T&C Apply

Frequently Asked Questions

The icici hpcl super saver credit card is a co-branded fuel credit card from ICICI Bank and Hindustan Petroleum Corporation Limited (HPCL). It earns 5% total savings on HPCL fuel (4% direct cashback capped ₹200/month + 1% surcharge waiver), 5% via reward points on grocery, utility, and departmental stores (20 RP/₹100), 2 RP/₹100 on all other retail, 1 domestic lounge/quarter (spend-conditional), and complimentary 24/7 roadside assistance. Annual fee: ₹500, waived at ₹1.5L spend.
Key benefits: (1) 5% on HPCL fuel (4% cashback max ₹200/month + 1% surcharge waiver). (2) 1.5% additional RP via HP Pay at HPCL. (3) 5% on grocery, utility, departmental stores (20 RP/₹100, 400 RP/month cap). (4) 2 RP/₹100 base on all other retail. (5) Overall cap: ₹300/month combined. (6) 1 domestic lounge/quarter (spend condition - verify at icicibank.com). (7) 25% off BookMyShow/INOX 2x/month (spend condition from Apr 2026). (8) 24/7 roadside assistance. (9) Welcome: 2,000 RP + ₹100 HP Pay cashback. (10) Annual fee waived at ₹1.5L spend.
Annual fee is ₹500 + GST. The joining fee is also ₹500. Annual fee is waived from Year 2 when cumulative card spend in the preceding year reaches ₹1,50,000. At ₹12,500/month across all transactions, the waiver is triggered automatically. The welcome benefit of 2,000 RP (₹500 value) plus ₹100 HP Pay cashback makes Year 1 effectively cost-neutral for active cardholders.
Yes - 1 complimentary domestic airport lounge visit per quarter via the Visa Domestic Lounge Programme. However, the lounge visit is conditional on meeting a quarterly spend threshold in the preceding calendar quarter. The threshold was revised in April 2026 - verify the current requirement at icicibank.com before planning a lounge visit. Only primary cardholders are eligible; add-on cardholders do not get this benefit.
Key charges: Joining/annual fee ₹500 + GST (waived at ₹1.5L annual spend). Finance charge: 3.75%/month on unpaid balance - verify current rate at icicibank.com. Forex markup: 3.5% on international transactions. Add-on card: ₹100 one-time fee. Cash advance fee: verify at icicibank.com. Late payment fee per ICICI standard schedule. All charges at icicibank.com/mitc.
Yes - the 4% direct cashback applies only at HPCL fuel stations. At BPCL, Indian Oil, Shell, or any other fuel brand, only the standard 1% fuel surcharge waiver and 2 RP/₹100 base earn apply - an effective 0.5% return. This card is purpose-built for dedicated HPCL customers. If you alternate between fuel brands, the cashback benefit is significantly reduced.