ICICI HPCL Super Saver Credit Card
The ICICI HPCL Super Saver is the best fuel card for HPCL-side commuters — and it earns that partly by being more than a fuel card. On HP fuel it pays 4% cashback (capped ₹200/month) plus a 1% surcharge waiver for an effective ~5%, with a further ~1.5% in Happy Coins through the HP Pay app. Crucially it also pays 5% on groceries and departmental stores (20 reward points per ₹100, capped 400 RP — about ₹2,000 of spend — a month, shared with utility and bill payments), a category most petrol co-brands skip, with ~0.5% on everything else, all for a ₹500 fee that waives at ₹1.5 lakh (plus a ₹500 welcome reward — 2,000 RP on ₹5,000 spend in 45 days). Insurance premiums sit outside that 5% bucket — they earn the 2 RP/₹100 base and, since 1 Feb 2026, only on the first ₹40,000 per statement cycle. Lounge access is gated behind ₹75,000 of quarterly spend, and 25% off BookMyShow twice a month now needs ₹25,000 of spend in the preceding quarter. HPCL-network-locked, with full value leaning on the HP Pay app and sensible point redemption — a practical, near-free keeper for the HP household.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback on card activation
5% on Utility Bills
5% as reward points (20 RP/₹100) on utility & bill payments; shares the 400 RP/month (~₹100) cap with grocery & departmental stores
5% on Groceries
5% as reward points on grocery & departmental stores (20 RP/₹100); shares one 400 RP (~₹100) monthly cap with utility & bill payments
️ Airport Lounge Access
Domestic airport lounge access on spending ₹75,000 in the previous calendar quarter (primary cardholder)
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹1,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹500/month
Movie Ticket Benefit
25% off (up to ₹100) on movie tickets via BookMyShow and INOX, twice a month, unlocked by ₹25,000 of spend in the preceding calendar quarter; plus 24x7 road-side assistance
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Utility Bills | reward points | 5% | ₹100 |
| Groceries | reward points | 5% | ₹100 |
| Fuel | cashback | 4% | ₹200 |
| Other | reward points | 0.5% | — |
| Insurance | reward points | 0.5% | ₹200 |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹500 |
Perks & benefits
Estimated annual value beyond rewards — ~₹5,400/yr in total.
️ lounge access ~ ₹3,000 /yr
Domestic airport lounge access on spending ₹75,000 in the previous calendar quarter (primary cardholder)
movie ticket ~ ₹2,400 /yr
25% off (up to ₹100) on movie tickets via BookMyShow and INOX, twice a month, unlocked by ₹25,000 of spend in the preceding calendar quarter; plus 24x7 road-side assistance
Should you get it?
Best for: Drivers who refuel mainly at HPCL pumps, Households wanting fuel plus everyday-essentials rewards on a low fee
Entry tier — great for first-time and lower-spend users.
Strongest value if you spend heavily on Utility Bills ( 5% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Up to 5% savings on HPCL fuel (4% cashback + 1% surcharge waiver + HP Pay bonus)
- 20 reward points per ₹100 on daily essentials
- Movie-ticket discounts and complimentary road-side assistance
✕ Cons
- Fuel cashback capped at ₹200 a month
- Lounge access needs ₹75,000 of spend in the prior quarter
- Only 2 reward points per ₹100 on general retail — insurance included, and capped at ₹40,000 of premium per statement cycle
- The BookMyShow offer now needs ₹25,000 of spend in the preceding quarter
Eligibility & documents
Min. income
₹20,000 /mo
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem reward points and Happy Coins against fuel and on the ICICI rewards catalogue
🎁 Statement credit on eligible spends
What your ICICI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST 1 RP = ₹0.40 against the statement — ICICI's only published rate
Amazon / Flipkart vouchers BEST Voucher store; ICICI publishes only an 'up to ₹1' ceiling, never a realised rate
iShop flights & hotels BEST iShop travel; rate is set per card at checkout, so the ₹1 ceiling is not a value
The concern Locked to HPCL pumps, with monthly caps on both the fuel (₹200) and grocery (400 RP) earn — if your route favours IOCL or BPCL stations, the equivalent co-brands serve you better.
The bottom line
For commuters who fuel up at HPCL pumps, this remains the strongest option in its class, and it earns that standing partly through the categories outside fuel — bill payments and groceries are rewards most petrol co-brands don't bother with, and the ₹500 fee waives comfortably once annual spend crosses ₹1.5 lakh. The caps are worth keeping in view: fuel cashback tops out at ₹200 a month, and the grocery/essentials points bucket runs dry around ₹2,000 of spend, so getting full value means pairing the card with the HP Pay app.
Sources & verification
Fees, reward rates, and benefits for the ICICI HPCL Super Saver Credit Card are taken from ICICI Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 15 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for ICICI Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2021 · 3 changes · last change Feb 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 1 change — 1 cut
▼ Reward Effective 1 Feb 2026
Insurance-category earning capped
Insurance spends earned uncapped → Insurance rewards capped at ₹40,000 per statement cycle
The same 1 February 2026 revision capped reward-point earning on insurance-category spends at ₹40,000 of spend per statement cycle on the HPCL Super Saver. Premium renewals above that still post to the card but stop earning, which matters on a card people often use to put an annual policy on plastic in one go.
Verification: ICICI Bank ↗ · Confidence: Reconstructed
2022 1 change — 1 neutral
◆ Redemption Observed 1 Aug 2022 · Effective 2022
Reward currency migrates from PAYBACK to ICICI Bank Rewards
PAYBACK points → ICICI Bank Reward Points
ICICI wound down PAYBACK earning on its credit cards and launched its own ICICI Bank Rewards programme in 2022, so the card's points shifted from PAYBACK to ICICI Bank Reward Points (redeemed at ₹0.25/point). The earn structure — 5% fuel, 5% on daily essentials, 2 points per ₹100 base — was preserved; only the currency and redemption portal changed.
Verification: ICICI Bank ↗ · Confidence: Reconstructed
2021 1 change — 1 neutral
◆ Launch Effective 20 Jul 2021
ICICI Bank and HPCL launch the HPCL Super Saver co-brand card
Launched as a fuel co-brand paying 5% on HPCL fuel (4% cashback capped ₹200/month + 1% surcharge waiver), 5% as points on electricity, mobile and departmental stores (Big Bazaar, D-Mart), and 2 points per ₹100 elsewhere, for a ₹500 fee waived at ₹1.5 lakh. Rewards were originally issued as PAYBACK points, with a 2,000-point welcome benefit.
Verification: ICICI Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: ICICI HPCL Super Saver Credit Card value timeline — CardAdvisor
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Source: ICICI HPCL Super Saver Credit Card value timeline , CardAdvisor (CC BY 4.0).
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Quick summary
Type Entry credit card
Reward rate 0.5%–5%
Best for Drivers who refuel mainly at HPCL pumps
Joining fee ₹500
Annual fee ₹500
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 15 Aug 2026
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