ICICI Bank HPCL Super Saver credit card review: fees, rewards and eligibility
The ICICI Bank HPCL Super Saver has a recorded annual fee of ₹500 plus GST and a base earn of 2 ICICI Bank Reward Points per ₹100 on eligible retail spends. CardMasters checked its issuer terms on 2026-07-26. Affiliate commission never changes ranking; confirm final terms and approval with ICICI Bank.
ICICI Bank HPCL Super Saver: short answer
The ICICI Bank HPCL Super Saver is in the entry tier of ICICI Bank credit cards, with a joining fee of ₹500, an annual fee of ₹500 plus GST (waived on ₹1,50,000 of eligible annual spend), a base earn of 2 ICICI Bank Reward Points per ₹100 on eligible retail spends and a 3.5% forex markup. Rewards are not earned on emi, cash advance, fees. It suits fuel, bills utilities, commuter spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-26. Confirm final terms with the issuer.
Reward structure
2 ICICI Bank Reward Points per ₹100 on eligible retail spends
- 4% statement cashback on HPCL fuel (₹200 monthly cap) — 4% statement cashback at HPCL pumps and HP Pay, capped at ₹200/month; the separate surcharge waiver and HP Pay Happy Coins are not included in modeled rewards
- 20 points per ₹100 (about 5% at ₹0.25/point) on utility/grocery/departmental stores (400 points monthly cap) — 20 points per ₹100 across eligible utilities, grocery and departmental-store spends; one shared 400-point cap per statement cycle
Eligibility and important limits
published monthly income floor ₹20,000 Approval remains solely at the issuer’s discretion.
Does not earn: emi, cash advance, fees.
Important limit: The 400-point essential-spend cap is shared across utilities, groceries, telecom, government, tax and departmental-store transactions
Frequently asked questions
What is the annual fee for the ICICI Bank HPCL Super Saver?
The published annual fee in our current record is ₹500 plus applicable GST. It can be waived after ₹1,50,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the ICICI Bank HPCL Super Saver?
2 ICICI Bank Reward Points per ₹100 on eligible retail spends. Accelerated routes include 4% statement cashback on HPCL fuel (₹200 monthly cap); 20 points per ₹100 (about 5% at ₹0.25/point) on utility/grocery/departmental stores (400 points monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the ICICI Bank HPCL Super Saver?
The current issuer-sourced exclusions recorded by CardMasters include emi, cash advance, fees. Merchant category coding and issuer terms determine final eligibility.
Who should consider the ICICI Bank HPCL Super Saver?
It is most relevant for people focused on fuel, bills utilities, commuter. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the ICICI Bank HPCL Super Saver worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹500 plus GST each year. The fee is waived at ₹1,50,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the ICICI Bank HPCL Super Saver?
The published monthly income floor is ₹20,000. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the ICICI Bank HPCL Super Saver?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the ICICI Bank HPCL Super Saver offer airport lounge access?
Domestic lounge access: 1/quarter (₹75,000 spend in previous quarter). International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.