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 | 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
Does ICICI Bank HPCL Super Saver Credit Card offer airport lounge access?
Yes. 1 domestic visit/quarter after ₹75,000 eligible preceding-quarter spend
What are the MITC charges, annual fees, and interest rates for ICICI Bank HPCL Super Saver Credit Card?
The annual renewal fee is ₹500 + GST; next year waived after spends over ₹1.5 lakh. 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. Check the current issuer MITC for other or missing charges.
What is the reward rate and point redemption value on ICICI Bank HPCL Super Saver Credit Card?
Published earn rate: 20 points/₹100 daily essentials; 2 points/₹100 retail; point value unverified. Check the current issuer terms for point value.
Which transactions are excluded from earning rewards on ICICI Bank HPCL Super Saver Credit Card?
Reward exclusions are not specified in the verified card details. Check the issuer terms for any fuel surcharge waiver.
Who is ICICI Bank HPCL Super Saver Credit Card best suited for in 2026?
The card details describe it as suited to HPCL users who can meet quarterly lounge and movie conditions. Compare its terms with your spending and annual fee.
Editorial Deep-Dive Analysis
Comprehensive Overview: ICICI Bank HPCL Super Saver Credit Card
The ICICI Bank HPCL Super Saver Credit Card is a co-branded fuel and everyday essentials card created in partnership with Hindustan Petroleum Corporation Limited (HPCL). Designed for daily commuters and vehicle owners, this card bundles fuel savings with accelerated reward points on utility bills, groceries, and department store purchases, alongside ICICI Bank’s lifestyle and entertainment perks.
Key Privileges and Practical Everyday Benefits
- 5% Combined Savings on HPCL Fuel:
- 4% Fuel Benefit: Earn 4% reward points/cashback on fuel purchases at authorized HPCL retail outlets, particularly when processed through the official HP Pay app.
- 1% Fuel Surcharge Waiver: Complete waiver of the 1% fuel surcharge on fuel transactions at HPCL pumps across India.
- Accelerated Daily Essentials Multiplier:
- Earn 20 reward points per ₹100 spent on departmental stores, grocery shopping, and utility bill payments, offering accelerated point accumulation on recurring household expenses (subject to monthly category caps).
- General Retail Rewards:
- Earn 2 reward points per ₹100 on all other eligible domestic retail purchases.
- Welcome Privilege:
- Receive 2,000 bonus reward points upon payment of the joining fee and card activation within the designated introductory window.
- Entertainment and Travel Perks:
- BookMyShow Cinema Offer: Enjoy 25% off up to ₹100 twice monthly on movie tickets booked via BookMyShow (unlocked upon meeting the quarterly spend eligibility).
- Domestic Airport Lounge Access: One complimentary visit per calendar quarter to participating domestic airport lounges across India (activated after meeting preceding-quarter spend criteria).
- Annual Fee Reversal:
- The nominal annual fee of ₹500 + GST is reversed for the following year upon achieving annual spends of over ₹1.5 lakh in the preceding anniversary year.
Important Terms and Spend Conditions to Keep in Mind
To optimize the benefits of the HPCL Super Saver card, cardholders should keep the following operational criteria in view:
- Optimized Fuel Transactions via HP Pay: To realize the full 5% savings, fuel spends should be executed via HP Pay QR codes or dedicated HPCL point-of-sale terminals. Surcharge waivers apply within standard transaction bands (typically ₹400 to ₹4,000).
- Quarterly Eligibility Thresholds: Complimentary airport lounge access requires ₹75,000 eligible spend in the preceding calendar quarter, while the BookMyShow movie benefit requires ₹25,000 eligible spend in the same preceding quarter.
- Monthly Category Caps on Accelerated Points: The 20 points/₹100 multiplier on utilities and groceries is subject to monthly capping as outlined in ICICI Bank’s rewards schedule.
- Reward Points Valuation: Reward points can be accumulated and redeemed for HPCL fuel vouchers, partner merchandise, or gift vouchers on the ICICI Rewards catalog.
Who Benefits Most
- Daily HPCL Commuters: Vehicle owners with a regular monthly fuel spend between ₹3,000 and ₹8,000 who regularly refuel at HPCL retail outlets.
- Household Budget Managers: Families looking to earn accelerated rewards on daily groceries and utility bills through a single, cost-effective card.
- Value-Conscious Cardholders: Users who easily clear the ₹1.5 lakh annual threshold to enjoy an effectively zero-annual-fee fuel credit card.
Independent Editorial & Statutory Disclaimers
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