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ICICI HPCL Super Saver Credit Card: Fees, Rewards & Benefits

Fuel card with lounge access

Vyaya Team · Jun 2026
5 min read
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Value Score
8.0 / 10
Annual Fee
₹500
Best For
HPCL Fuel Regular, Household Spender
Network
Visa
Expert Verdict

The ICICI HPCL Super Saver delivers up to 5% fuel savings at HPCL plus 1.5% HP Pay cashback and 10x points on grocery and utilities, all for a Rs 500 fee. The tight 400-point monthly caps and HPCL-only fuel focus mean it rewards a specific spending pattern rather than broad use.

ICICI BANKVisa
ICICI HPCL Super Saver
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REWARD SUMMARY
0.5% Base Rewards
Fuel card with lounge access
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The Bottom Line

The ICICI HPCL Super Saver is built for hpcl fuel regular and household spender. With a ₹500 annual fee that is waived on ₹1,50,000 yearly spend, it offers 5% rewards on grocery and 2,000 bonus points. It makes the most sense if your spending matches hpcl fuel regular and household spender.

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

What we like
+5% total savings on fuel at HPCL pumps and HP Pay (4% cashback capped at Rs 200/month plus 1% surcharge waiver), with an extra 1.5% Happy Coins via HP Pay
+Accelerated 20 points per Rs 100 (10x) on grocery and utility spends, each capped at 400 points a month
+Low Rs 500 joining and Rs 500 annual fee, waived on annual spends of Rs 1.5 lakh
+4 complimentary domestic airport lounge visits a year (1 per quarter on Rs 75,000 quarterly spend) plus 24x7 roadside assistance
+No stated minimum income requirement, keeping it accessible
What we don't
Reward points are worth only Rs 0.25, and fuel itself earns no standard points
Grocery and utility bonus is capped at 400 points (Rs 100 value) per category per month
High 3.5% foreign currency markup
A 2% fee applies on online gaming spends and rent earns no points

Who Should Get This Card

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

Best fit for

Ideal
+
HPCL Fuel Regular

Drivers who refuel mostly at HPCL pumps or via HP Pay and want up to 5% fuel savings plus 1.5% Happy Coins

+
Household Spender

Families wanting 10x points on grocery and utility bills (within the 400-point monthly caps) on a low Rs 500 fee

Probably not for

Skip
Non-HPCL Driver

Those who fuel at other brands lose the headline savings, since the fuel benefit is HPCL-specific

International Spender

Frequent overseas users, given the 3.5% forex markup

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
Online & Shopping
08,000Max ₹80k
Est. Returns
Groceries
06,000Max ₹40k
Est. Returns
Annual rewards0
Welcome bonus (Year 1)+₹500
Annual fee-₹500
Net Value (Year 1)+0
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 HPCL Super Saver offers 0.5% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Grocery
5%
Utility
5%
HP Pay (Fuel)
0.5%

Welcome Offer

2,000 ICICI Bank Reward Points

2,000 ICICI Bank Reward Points as a welcome benefit (value approx Rs.500 at Rs.0.25/point) on spending Rs.5,000 within 45 days of issuance. Plus Rs.100 fuel cashback in the HP Pay wallet on the first fuel purchase.

Value: ₹500

Milestone Benefits

Spend ₹1,50,000

Annual fee waiver on total spends of Rs.1.5 lakh or more in a year.

Spend ₹75,000

Spend Rs.75,000 or more in a calendar quarter to earn 1 domestic airport lounge access in the following calendar quarter.

Fees & Charges

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

Eligibility

  • Min Income: ₹2.4 Lakhs
  • Min Credit Score: 750
  • Age 21-65; min monthly income Rs 20K salaried or self-employed; 5% fuel savings at HPCL pumps; annual fee waived on Rs 1.5L+ spend.

Exclusions & Terms

Forex markup

  • Foreign currency markup

EMI Transactions

  • EMI conversions and transactions converted to EMI do not earn reward points.

Cash Advances

  • Cash advances do not earn reward points.

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee of the ICICI HPCL Super Saver?+

The ICICI HPCL Super Saver has an annual fee of ₹500, waived on annual spends of ₹150,000.

What rewards does the ICICI HPCL Super Saver offer?+

It earns ICICI Bank Reward Points, with accelerated earning on Fuel, Grocery, Utilities.

Does the ICICI HPCL Super Saver offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

₹500 annual fee. Apply on the ICICI Bank website.

Apply on ICICI Bank

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