The verdict
Fuel and daily-essential return cannot be valued until category definitions, point conversion and caps are verified.
The maths for it
The product page advertises 5% HPCL savings but does not establish a complete net-return calculation.
The maths against
Point valuation, category scope and reward caps remain unresolved.
✓What works
- +2,000 joining reward points advertised; cash value unverified.
- +HPCL pump and HP Pay savings advertised at 5%, subject to terms.
✕What doesn't
- −Domestic lounge requires ₹75,000 eligible prior-quarter spend.
- −BookMyShow requires ₹25,000 eligible prior-quarter spend.
- −Daily-essential category and point conversion remain open.
What it earns
20 points/₹100 daily-essential spend and 2 points/₹100 retail; definitions, caps and point value pending.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Daily essential spend | 20 points / ₹100; scope and caps pending | — | — |
| Retail spend | 2 points / ₹100 | — | — |
Accelerated earn
Daily-essential point earn
20 points per ₹100 advertised; category and caps need terms.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Daily essential spendEligible merchants and caps pending | 20 points / ₹100 · 20 points / ₹100 | — | — |
Redemption options
Voucher categories listed; point conversion, minimum, fees and expiry pending.
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +1 domestic lounge visit/quarter after ₹75,000 eligible prior-quarter spend.
- +BookMyShow 25% off up to ₹100 twice monthly after ₹25,000 eligible prior-quarter spend.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining fee | ₹500 + GST |
| Annual fee | ₹500 + GST; next year waived after spends over ₹1.5 lakh |
| Forex markup | 3.5%; taxes and transaction rules pending |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Citizenship and age | Indian citizen over 21 |
| Salaried income | ₹20,000 monthly income stated |
| Self-employed income | At least ₹2,40,000 annually |
Frequently Asked Questions
Kya ICICI Bank HPCL Super Saver Credit Card par airport lounge access milta hai?
Haan. 1 domestic visit/quarter after ₹75,000 eligible preceding-quarter spend
ICICI Bank HPCL Super Saver Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Annual renewal fee ₹500 + GST; next year waived after spends over ₹1.5 lakh hai. Fee waiver condition: Next annual fee waived after spends over ₹1.5 lakh; eligible-spend rules pending. Foreign currency markup: 3.5%; taxes and transaction rules pending. Baaki ya missing charges ke liye bank ka current MITC check karein.
ICICI Bank HPCL Super Saver Credit Card par reward rate aur points ki real rupee value kya hai?
Published earn rate: 20 points/₹100 daily essentials; 2 points/₹100 retail; point value unverified. Point value ke liye bank ke current terms check karein.
ICICI Bank HPCL Super Saver Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
Verified card details mein reward exclusions listed nahi hain. Fuel surcharge waiver ke liye bank ke terms check karein.
2026 mein ICICI Bank HPCL Super Saver Credit Card kin users ke liye best suited hai?
Card details ke mutabik yeh "HPCL users who can meet quarterly lounge and movie conditions" ke liye suited hai. Apne spends aur annual fee se value compare karein.
Editorial Deep-Dive Analysis
Detailed Overview: ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card Hindustan Petroleum Corporation Limited (HPCL) aur ICICI Bank ka ek co-branded fuel aur daily essentials credit card hai. Yeh card daily commuters aur vehicle owners ko target karta hai jinki regular fuel expenses ke alawa groceries, departmental stores aur utility bill payments par bhi significant spending hoti hai.
Key Privileges aur Everyday Benefits
- HPCL Fuel par 5% Combined Savings:
- 4% Fuel Benefit: HPCL ke authorized petrol pumps par HP Pay app ke through payments karne par 4% reward points / cashback benefit milta hai.
- 1% Fuel Surcharge Waiver: Desh bhar ke HPCL pumps par standard transaction limits par 1% fuel surcharge complete waive off hota hai.
- Daily Essentials par 20x Accelerated Rewards:
- Groceries, departmental stores aur electricity/water utility bills par ₹100 spend karne par 20 reward points milte hain, jisse household expenses par tezi se rewards accumulate hote hain (monthly category limits ke mutabiq).
- General Retail Rewards:
- Baaki sabhi standard retail spends par ₹100 spend par 2 reward points earn hote hain.
- Welcome Privilege:
- Joining fee pay karne aur card setup complete karne par 2,000 bonus reward points milte hain.
- Entertainment aur Lounge Access:
- BookMyShow Cinema Offer: BookMyShow par movie tickets book karne par month mein do baar 25% off (up to ₹100 per transaction) milta hai (quarterly spend criteria clear karne par).
- Domestic Airport Lounge Access: Per calendar quarter 1 complimentary domestic airport lounge visit primary cardholder ke liye (preceding quarter spend target achieve karne ke baad active hoti hai).
- Annual Fee Waiver:
- Card anniversary year mein ₹1.5 lakh se zyada spend karne par next year ki ₹500 + GST annual fee waive off ho jaati hai.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
Card ka optimum benefit lene ke liye kuch operational conditions dhyaan mein rakhna zaroori hai:
- HP Pay App ka Utilization: Full 5% fuel savings achieve karne ke liye HPCL petrol pumps par HP Pay app ke QR code ya dedicated terminals se payment karna best rehta hai. Surcharge waiver standard ticket sizes (usually ₹400 to ₹4,000) par apply hota hai.
- Quarterly Spend Thresholds: Airport lounge visit avail karne ke liye preceding calendar quarter mein ₹75,000 ka eligible spend complete hona chahiye. BookMyShow movie benefit ke liye preceding quarter mein ₹25,000 ka spend required hai.
- Accelerated Points par Monthly Capping: Groceries aur utilities par 20 points/₹100 ka multiplier monthly cap ke under rehta hai jaisa bank ke schedule mein specified hai.
- Reward Points Redemption: Accumulate hue points ko ICICI Rewards portal par HPCL fuel vouchers ya partner vouchers mein redeem kiya ja sakta hai.
Yeh Card Kinke Liye Best Fit Hai
- Daily HPCL Commuters: Jo har mahine ₹3,000 se ₹8,000 ka petrol/diesel HPCL pumps se bharwate hain aur HP Pay use karte hain.
- Household Budget Planners: Jo fuel ke saath-saath daily groceries aur utility bill payments par bhi accelerated reward points chahte hain.
- Annual Fee Waive Karwane Wale Users: Jo saal bhar mein easily ₹1.5 lakh spend karke effectively zero annual fee par card enjoy karna chahte hain.
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.
⚖️ Trademark & Intellectual Property Ownership:Is page par mention kiye gaye sabhi registered trademarks, brand names, aur card titles—jaise ki ICICI Bank, HDFC Bank, Axis Bank, SBI Card, ICICI Bank, RBL Bank, American Express, Visa, Mastercard, RuPay—unke respective banks ke exclusive intellectual property hain. CredSutra in marks par koi ownership claim nahi karta.
🏛️ Nominative Fair Use (Trade Marks Act, 1999):Brand aur card names ka use Trade Marks Act 1999 Section 30 ke tehat strictly comparative identification aur consumer education purpose ke liye kiya gaya hai. CredSutra ICICI Bank se affiliated ya endorsed nahi hai.
🎨 Original Procedural Visual Assets:CredSutra par dikhaye gaye card visuals original procedural CSS/SVG designs hain. Hum banks ke proprietary 3D card renders ya copyrighted images use nahi karte.
📋 Official Bank Terms & MITC Verification:Reward rates aur fees publicly available bank circulars aur MITC documents par based hain. Apply karne se pehle official bank portal par terms zaroor verify karein. Approval ka final decision exclusively ICICI Bank ke paas hota hai.
Read Full Legal & Regulatory Disclaimers →Section 30 Trade Marks Act, 1999 & Rule 3(2) IT Rules 2021