Deep-Dive Review: ICICI Bank HPCL Super Saver Credit Card

Community Verdict

[!NOTE] The ICICI Bank HPCL Super Saver Credit Card is ICICI’s dedicated fuel-and-essentials card built around HPCL partnerships. It pays 5% savings on HPCL fuel (4% cashback capped at ₹200/month + 1% fuel surcharge waiver on transactions ₹400–₹4,000), plus an additional 1.5% cashback (Happy Coins) on fuel purchased via the HP Pay app at HPCL outlets. Daily essentials (utility, groceries, departmental stores) earn 20 ICICI Reward Points per ₹100 — capped at 400 RP per month (≈ ₹100 statement credit equivalent at ₹0.25/RP). Cardholders get 1 complimentary domestic airport lounge visit per quarter, gated on ₹75,000 spend in the preceding calendar quarter, 25% off up to ₹100 on BookMyShow and INOX movie tickets twice a month (since Apr 1, 2026 requires ₹25,000 preceding-quarter spend), and 24×7 roadside assistance (helpline, on-site repairs, towing to authorised workshop, taxi up to 50 km, fuel delivery up to 5 L, key retrieval, vehicle repatriation up to 100 km). Joining and annual fee are ₹500 + GST, waived on ₹1.5 lakh annual spend. Welcome bonus is 2,000 Reward Points on fee payment and activation.

Pros

• 5% savings on HPCL fuel: 4% cashback (capped ₹200/month) plus 1% fuel surcharge waiver — best fuel saving in the entry-level segment for HPCL loyalists.
• Extra 1.5% Happy Coins via HP Pay app: Additional cashback on fuel purchased through HP Pay at HPCL outlets — stacks on top of base 5%.
• 5% cashback on daily essentials: 20 RP per ₹100 on utility, groceries and departmental stores (capped at 400 RP/month ≈ ₹100 statement credit).
• Welcome bonus 2,000 Reward Points: Credited on joining fee payment and card activation (~₹500 statement credit equivalent).
• Roadside Assistance 24×7: Helpline, on-site repairs, towing, taxi up to 50 km, fuel delivery up to 5 L, spare key retrieval, vehicle repatriation up to 100 km — premium service on an entry-level card.
• 1 domestic lounge visit per quarter: Gated on ₹75,000 spend in the preceding calendar quarter.
• BookMyShow & INOX movie offers: 25% off up to ₹100 per ticket, max 2 per month — ₹25,000 quarterly spend gate (since Apr 1, 2026).
• Annual fee waived on ₹1.5 Lakh spend: Easy waiver threshold for an entry-level fuel card.
• Personal Accident Cover (RuPay variant): Insurance cover provided on the RuPay variant of the card.
• 24×7 concierge (RuPay variant): Toll-free 18002670731 for assistance.
• Fraud liability cover: ₹50,000 counterfeit card liability + account takeover cover.
• Easy upgrade path: Eligible for upgrade to ICICI Coral Credit Card.

Cons

• HPCL-only fuel benefit: 5% savings applies ONLY at HPCL outlets (and HP Pay app). Other fuel pumps earn 0 RP plus the 1% surcharge waiver only.
• 4% cashback capped at ₹200/month: Caps the upside on heavy fuel users — beyond ₹5,000 HPCL fuel spend in a month, you earn no further cashback.
• Daily essentials cap is low: 400 RP/month cap on utility/groceries/department stores ≈ ₹100 statement credit — the 5% rate applies only up to ₹2,000/month in that bucket.
• ₹75K quarterly lounge spend gate: Heavy gate for an entry-level card — many users won’t clear it consistently.
• ₹25K BookMyShow quarterly spend gate: New gate since April 1, 2026 — drops the casual-movie benefit for low spenders.
• Heavy reward exclusions: Fuel (RP), rent, wallet loads, government payments, EMI conversions — earn zero base RP.
• 3.5% forex markup: International transactions are uneconomical; not a travel card.
• 45% p.a. cash advance interest: 3.75% per month on ATM withdrawals plus flat ₹500 cash advance fee — avoid.
• Late payment fee ₹100 to ₹1,300: Sliding scale on overdue balances.
• Overlimit fee 2.5% (min ₹500): Penalty on overshooting the credit limit.
• Reward redemption fee ₹99 + GST: Per redemption request via the catalogue.
• No international lounge access: Even after clearing spend gates, international lounges are not included.
• No dining accelerated rate: Unlike Coral, there’s no Culinary Treats dining discount.

Reward Spends & Categories

The ICICI HPCL Super Saver Credit Card earns ICICI Reward Points (worth ₹0.25/point at catalogue redemption):

Category	Earning Rate
⛽ HPCL Fuel (POS swipe at any bank)	5% savings = 4% cashback (capped ₹200/month) + 1% fuel surcharge waiver
⛽ HPCL Fuel via HP Pay app	5% savings + additional 1.5% Happy Coins cashback
⛽ Non-HPCL Fuel	0 RP (only 1% surcharge waiver ₹400–₹4,000)
💡 Utility / Groceries / Departmental Stores	20 ICICI Reward Points per ₹100 (capped at 400 RP/month ≈ ₹100 statement credit)
🛒 All Other Retail (offline + online)	2 ICICI Reward Points per ₹100 (~0.5% return)
🎬 BookMyShow / INOX Movies	25% off up to ₹100 per ticket (max 2/month) — ₹25K quarterly spend gate
🛫 Domestic Airport Lounge	1 visit/quarter — ₹75K preceding-calendar-quarter spend gate
🍽️ Dining	No accelerated rate (use Culinary Treats cards instead)
🏛️ Government & Tax Payments	0% (Excluded)
🏠 Rent Payments (MCC 6513)	0% (Excluded)
💳 Wallet Loads	0% (Excluded)
💳 EMI Conversion (post-conversion)	0% (Excluded)

How the 5% HPCL Fuel Savings Stack

1. 4% cashback credited to your card statement (capped at ₹200/month)
2. 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (GST on surcharge not refundable)
3. Additional 1.5% Happy Coins when you pay via the HP Pay app at HPCL outlets (uncapped)

[!IMPORTANT] The 4% cashback caps at ₹200/month. That means the 5% effective rate applies only up to ~₹4,000–₹5,000 of HPCL fuel spend per month. Beyond that, the additional benefit drops to the 1% surcharge waiver + HP Pay 1.5% only.

Reward Point Redemption Value

ICICI Reward Points on HPCL Super Saver redeem via the Reward Points catalogue (iMobile app / net banking):

• Cash via Statement Credit: 1 RP = ₹0.25 (after ₹99 + GST redemption fee per request)
• Vouchers / Products via Catalogue: 1 RP = ₹0.25 equivalent value
• Catalogue options: Health & beauty, Travel & luggage, Shopping voucher, Home appliances, Electronics, Fashion & lifestyle
• Air miles / Hotel transfers: Not supported — only catalogue redemption

[!IMPORTANT] Redeem in batches of ₹500+ (≥ 2,000 RP) to amortise the ₹99 fee. Small redemptions (under 400 RP = ₹100) lose money after the fee.

Welcome Benefit & Milestones

[!IMPORTANT]

• Welcome Benefit: 2,000 Reward Points credited on payment of joining fee and card activation (~₹500 statement credit equivalent).
• Annual Milestone Rewards: None documented beyond the annual fee waiver threshold.
• Annual Fee Waiver: ₹500 + GST reversed on ₹1.5 Lakh annual retail spend (fuel and rent excluded from the waiver calculation).

Airport Lounge & Travel Perks

[!IMPORTANT]

• Domestic Airport Lounge: 1 complimentary visit per calendar quarter at select Indian airports, gated on ₹75,000 spend in the preceding calendar quarter (benefit unlocks in the following calendar quarter).
• International Airport Lounge: Not included on HPCL Super Saver.
• Primary Cardholder Only: Lounge benefit applies to primary cardholder only; add-on / supplementary cardholders do not get lounge access.
• No Priority Pass: HPCL Super Saver does not include Priority Pass membership.
• Roadside Assistance 24×7: Helpline, on-site repairs, towing to authorised OEM workshop, taxi up to 50 km, fuel delivery up to 5 L, spare key retrieval, vehicle repatriation up to 100 km (longer distances chargeable), courtesy car at prevailing rates, emergency hotel/medical coordination.

BookMyShow & Movie Benefits

[!IMPORTANT]

• Discount: 25% off (up to ₹100 per ticket) on BookMyShow and INOX movie tickets.
• Frequency: Twice per month.
• Minimum tickets: Must purchase a minimum of two tickets per transaction.
• Spend gate: ₹25,000 spend in the preceding calendar quarter required since Apr 1, 2026.
• Dual-network cards: Cardholders on dual networks (Mastercard & Amex / Visa & RuPay) can avail one movie offer per month per variant.
• Add-on / Plus cards: Each add-on cardholder must individually spend ₹25,000 in the preceding quarter.
• Amex variant cashback offer: Revoked effective Jan 1, 2025 — only upfront discount remains.

Fees & Charges — Snapshot

Fee / Charge	Amount
Joining Fee	₹500 + GST
Annual Fee (Year 1)	₹500 + GST
Annual Fee (Year 2 onwards)	₹500 + GST (waived on ₹1.5 lakh annual spend)
Add-on Card Fee	Nil
Foreign Currency Markup	3.5%
Cash Withdrawal Fee	₹500 (flat)
Cash Advance Interest	3.75% per month (45% p.a.)
Reward Redemption Fee	₹99 + GST per request
Fuel Surcharge	1% (waived ₹400–₹4,000 at HPCL pumps)
Late Payment Fee	Sliding scale ₹100 – ₹1,300
Over Limit Penalty	2.5% of overlimit amount (Min ₹500)
Card Replacement Fee	₹100
Duplicate PIN Fee	Nil
Statement Retrieval Fee	Nil

Who Should Get This Card?

Get it if:

• You refuel consistently at HPCL outlets and want 5% effective savings on fuel plus the HP Pay 1.5% bonus
• You spend on utility / groceries / departmental stores and can maximise the 20 RP/₹100 cap (₹2,000/month spend = 400 RP cap)
• You want roadside assistance bundled on a low-fee entry-level card
• You watch movies regularly and can clear the ₹25K quarterly spend gate for the 25% BookMyShow discount
• You want an easy annual fee waiver on ₹1.5 Lakh spend

Skip if:

• You primarily refuel at non-HPCL pumps (IOCL, BPCL) — pick the BPCL SBI Card or IndianOil Axis Bank Credit Card instead
• You want a higher base retail earn — ICICI Coral (2 RP/₹100 + milestones) or ICICI Amazon Pay (5% Amazon for Prime) are better
• You want unlimited or premium lounge access — pick HDFC Infinia or Axis Atlas
• You travel internationally — 3.5% forex markup erodes reward value
• You make heavy rent payments — Rent (MCC 6513) earns zero RP here

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For official terms, interest rates, and applications, refer to the Bank Reference Page.

For monetization on the side, apply for the ICICI Bank HPCL Super Saver Credit Card via CredSutra — CredSutra earns a referral commission on approved cards at no cost to you.