Vyaya

ICICI Bank HPCL Super Saver Credit Card Review 2026: Fees & Rewards

Get 5% savings on fuel at HPCL and 5% back on utilities and groceries with the ICICI HPCL Super Saver Credit Card. Check fees, eligibility, and lounge access...

Vyaya Team · Mar 2026
5 min read
Value Score
7.2 / 10
Annual Fee
₹500
Best For
Daily Commuter, Budget-Conscious Household
Network
Visa
Expert Verdict

The ICICI Bank HPCL Super Saver is a solid entry-level fuel card that extends its utility to groceries and bill payments. While the reward caps are restrictive, it offers excellent value for small-to-medium spenders who primarily refuel at HPCL.

ICICI Bank HPCL Super Saver Credit Card credit card by ICICI Bank - Visa network
REWARD SUMMARY
0.5% Base Rewards
Fuel your savings with 5% value back on fuel and daily essentials.
← Tap to flip back

The Bottom Line

The ICICI Bank HPCL Super Saver Credit Card is the ICICI Bank HPCL Super Saver is a solid entry-level fuel card that extends its utility to groceries and bill payments. While the reward caps are restrictive, it offers excellent value for small-to-medium spenders who primarily refuel at HPCL. With a ₹500 annual fee that is waived on ₹1,50,000 yearly spend, it offers 1.25% rewards on fuel (hpcl) and 2,000 bonus points. For anyone researching icici bank hpcl super saver credit card, the verdict is simple: recommended.

It earns a base reward rate of 0.5% and stacks best when your spending lines up with Daily Commuter, Budget-Conscious Household. The renewal fee gets easier to justify once you can hit ₹1,50,000 in yearly spend.

What we like
+5% total value back on fuel at HPCL outlets (4% cashback + 1% surcharge waiver).
+Accelerated 5% rewards on groceries, departmental stores, and utility bills.
+Complimentary 24x7 Roadside Assistance (RSA) for vehicle breakdowns.
+Low annual fee of ₹500 with a reachable waiver threshold of ₹1.5 lakh.
What we don't
Monthly cashback on fuel is capped at a low ₹200.
Accelerated rewards on utilities and groceries capped at 400 points (₹100 value) per month.
High spend requirement of ₹75,000 per quarter for domestic lounge access.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Daily Commuter

Ideal for those spending ₹4,000-₹5,000 monthly on fuel at HPCL to maximize the 5% value back.

Best value above ₹15,000/month
+
Budget-Conscious Household

Strong rewards on essential categories like electricity, mobile bills, and groceries.

Best value above ₹12,500/month

Probably not for

Skip
High Spender

The low monthly caps on fuel and utility rewards limit the benefit for those with high monthly expenses.

Frequent Traveler

Lounge access is restricted by a high quarterly spend requirement and lacks international lounge benefits.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
05,000Max ₹50k
Est. Returns
✈️
Travel
010,000Max ₹1L
Est. Returns
🛒
Shopping
08,000Max ₹80k
Est. Returns
🥬
Groceries
06,000Max ₹40k
Est. Returns
Annual rewards0
Annual fee-₹500
Net Value (Year 1)-500
Net Value (Year 2+)-500
Progress to fee waiver0%

Spend ₹1,50,000 more to waive annual fee

Sign in for personalized estimates based on your actual spending

Reward Rates

ICICI Bank HPCL Super Saver Credit Card offers 0.5% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Fuel (HPCL)
1.25%
Utilities & Groceries
1.25%
HP Pay App Fuel
0.38%

Welcome Offer

2000 Bonus Points

Fees & Charges

Joining fee₹500
Annual fee₹500
Fee waiverSpend > ₹1,50,000

Eligibility

  • Min Income: ₹2.4 Lakhs
  • Min Credit Score: 750
  • Minimum monthly income of ₹20,000 for salaried individuals. Age between 21-65 years.

Exclusions & Terms

Rent

  • Bank policy

Insurance

  • Bank policy

Wallet Load

  • Bank policy

Education

  • Bank policy

Frequently Asked Questions

3 data-backed answers from our card database

What is the fuel cashback cap on this card?+

The 4% cashback on fuel at HPCL outlets is capped at ₹200 per month. The 1% surcharge waiver is applicable on transactions up to ₹4,000.

How do I get the annual fee waived?+

The annual fee of ₹500 is waived if you spend more than ₹1,50,000 in the preceding anniversary year.

What is the lounge access spend criteria?+

To enjoy 1 complimentary domestic lounge access per quarter, you must spend at least ₹75,000 in the previous calendar quarter.

Ready to apply?

₹500 fee. Excellent rewards. Apply now securely.

Apply on ICICI Bank

Explore More on Vyaya