ICICI Bank HPCL Super Saver Credit Card
ICICI Bank
The strongest fuel-savings card on this list — 5% at HPCL specifically, plus daily-essentials rewards.
₹500
Joining fee
₹500, waived at ₹1.5L spend
Annual fee
Waived if annual spend exceeds Rs 1,50,000 in the preceding year (Rs 500 fee).
3.5%
Forex markup
4.0 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried min Rs 20,000/month or self-employed min Rs 2,40,000/year; Indian citizen
Lounge access
4 domestic visits per year
Stated as 1 domestic lounge visit/quarter; ₹75k prior-quarter spend required.
Key features
- 5% savings on fuel at HPCL pumps and HP Pay
- 1 domestic lounge visit/quarter (₹75k prior-quarter spend)
- 20 pts/₹100 on daily essentials
- 24/7 roadside assistance
Reward details
2 points per Rs 100 on retail purchases
- 5% total (4% cashback capped at Rs 200/month plus 1% fuel surcharge waiver); additional 1.5% cashback ('Happy Coins') on HP Pay app specifically on Fuel savings at HPCL pumps/HP Pay app — Rs 200/month cashback portion
- 20 reward points per Rs 100 (official); aggregator frames as '5% back' on Daily essentials (departmental stores, electricity, mobile bills) — Rs 100/month
Welcome bonus: 2,000 joining reward points
Redemption
Health & beauty, travel, shopping vouchers, appliances, electronics, fashion
Ratio: aggregator estimates redemption value at Rs 0.25/point
- 24/7 roadside assistance; personal accident insurance and 24/7 concierge service (RuPay variant only); 25% off up to Rs 100 on BookMyShow/INOX movie tickets, twice monthly, gated by Rs 25,000+ quarterly spend
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low annual fee and strong 5% fuel savings appeal to frequent HPCL customers — Paisabazaar
Complaints
- Aggressive capping across categories — aggregator states total value-back is capped at roughly Rs 300/month, which 'significantly limits earning potential' compared to competing fuel-focused cards — Paisabazaar
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — rewards, sentiment