ICICI Bank HPCL Super Saver Credit Card
An HPCL fuel card (₹500 a year, waived above ₹1.5 lakh of spend): 4% cashback at HPCL pumps up to ₹200 a month plus a 1% surcharge waiver, 20 reward points per ₹100 on utilities and groceries up to 400 points a cycle, and 2 points per ₹100 elsewhere. Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹500 plus GST Product page |
| Annual fee waiver | On ₹1,50,000 of spend in the year Terms |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Utilities, government and tax payments, groceries and department stores | 20 points per ₹100 Terms | up to 400 points a statement cycle Terms |
| Other retail spends, domestic and international (UPI on the RuPay variant earns points) | 2 points per ₹100 Terms | no cap on record |
The 4% fuel cashback at HPCL pumps (up to ₹200 a month) is cash, not points, so it is listed as a highlight rather than a reward rule. The terms call 20 points per ₹100 a '5% benefit', but ICICI Bank publishes no rupee value for a point, so none is used. Redemption carries a ₹99 + GST handling fee.
No rewards on
Benefits
- Lounges: 1 domestic airport lounge visit a quarter after ₹75,000 of spend in the previous quarter (primary cardholder) — ₹75,000 of spend in the preceding quarter Product page
- Fuel: 1% fuel surcharge waived at HPCL pumps on fills of ₹400 to ₹4,000 (no cap stated) Product page
- Welcome: 2,000 bonus reward points after the joining fee is paid and ₹5,000 is spent within 45 days Terms
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- 4% cashback on fuel at HPCL pumps and the HP Pay app, up to ₹200 a month Product page
- Extra 1.5% back as Happy Coins on fuel bought through the HP Pay app Product page
- 25% off up to ₹100 on BookMyShow movie tickets twice a month after ₹25,000 of spend in the previous quarter Product page
- 25% off up to ₹100 on INOX movie tickets twice a month Product page
- 24/7 roadside assistance Product page
- ₹2 lakh personal accident cover on the RuPay variant Terms
Eligibility
- Age 21 or above Product page
- Age 65 or below Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of ₹20,000 Product page
- Self-employed: annual income of at least ₹2.4 lakh Product page
Not published by ICICI Bank in the documents read
- the rupee value of a reward point (ICICI Bank says points have a redemption value set by the Bank)
- the card networks other than RuPay
- a monthly cap on the fuel surcharge waiver
Where ICICI Bank’s documents differ, and what is used
- Cap on the 20-points rate: the terms (16 Dec 2025) say 400 points a statement cycle; the product page FAQ says 400 points a month. The terms are used.
The quotes behind the figures
39 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining Fee- ₹500 + GST”
“Annual Fee- ₹500 + GST (Spend over ₹1.5 lakh and get your annual Fee waived off for the next year)”
“a. Primary Cardholders are eligible for an Annual Fee waiver from the 2nd Anniversary Year onwards, if the total spends on the Credit Card are equal to or more than ₹ (₹ (INR)) 1,50,000 during the previous Anniversary Year.”
“Forex Markup 3.5%”
“For example, the Cardholder(s) shall earn 20 points on every ₹ (INR) 100 spent on the above categories.”
“c. The ICICI Bank reward benefit shall be capped at 400 ICICI Bank reward points per Statement cycle.”
“a. The Cardholder(s) are entitled to 5% benefit as ICICI Bank reward points on utilities (groceries, telecom, government, tax) and departmental stores, subject to the cap specified hereunder.”
“a. 2 ICICI Bank reward points on every ₹ (INR) 100 spent on all other retail spends (except fuel, utility and departmental store purchase):”
“Earn Points on every ₹100 spend 20 On Daily Essential Spend 2 On Retail Spend”
“Reward points on UPI and card transactions”
“a. The Cardholder(s) are entitled to 4% cashback on fuel purchases, where such a cashback shall be capped at ₹ (₹ (INR)) 200 per month.”
“Fuel transactions done using the Credit Card”
“From 05 February 2024, rent pay and e-wallet loading transactions will not accrue any reward points.”
“Unmatched Savings on Fuel HPCL Super Saver Credit Card Apply Now”
“You get 5% cashback on spends across these categories. For every ₹100 spent, you earn 20 ICICI Bank Reward Points, capped at 400 ICICI Bank Reward points per month.”
“However, the benefit is applicable on spends at HPCL fuel pumps only.”
“No. Reward points are not equivalent to currency and have a redemption value determined by the Bank.”
“e. Minimum amount threshold for surcharge waiver is ₹ (₹ (INR)) 400 and maximum amount is ₹ (₹ (INR)) 4,000.”
“provided that they have made transactions of ₹ ₹ 5,000 and above, within 45 days of issuance of the Credit Card.”
“₹500 + GST for HPCL Super Saver Credit Card”
“Easily link your RuPay Credit Card for UPI transactions”
“If you have paid only the minimum due Pay 3.75% interest per month”
“Late Payment Charges Ranging from ₹100 to ₹1300”
“Yes. A Redemption Handling Fee of ₹99 plus applicable GST is charged for every redemption request.”
“Get 1 Domestic Airport Lounge access for primary cardholders on eligible spends of ₹75,000 or more in the preceding spends quarter.”
“The ICICI Bank HPCL Super Saver Credit Card offers 5% savings on fuel spends at HPCL pumps and HP Pay, including a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.”
“shall receive 2,000 ICICI Bank reward points, after 2 statement cycles.”
“The fuel savings of 5% comprises of 4% cashback + 1% fuel surcharge waiver (The 4% cashback is capped at ₹200 per month).”
“You also get an additional 1.5% cashback (Happy Coins) on all fuel purchases through the HP Pay app at HPCL outlets.”
“Get 25% off up to ₹100 on movie tickets on BookMyShow twice a month, on eligible spends of ₹25,000 or more in the preceding spends quarter”
“Get 25% off up to ₹100 on movie tickets at INOX, twice a month”
“24/7 Roadside Assistance Round-the-clock assistance in case of vehicle breakdown”
“The Cardholder is entitled for Personal Accident Cover of up to ₹ (INR) 2 lakh.”
“An Indian citizen over 21 years of age”
“You must be between the ages of 21-65 years to be eligible to apply for credit card and get ICICI Bank HPCL Super Saver Credit Card.”
“Self-employed with an annual income of at least ₹2,40,000”
“A salaried individual with a monthly income of ₹20,000”
“APPLY NOW HPCL Super Saver Credit Card: Fees & Charges”
“Insurance Personal Accident Insurance Cover (RuPay Variant)”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology