ICICI Bank HPCL Super Saver Credit Card Review – Fees, Benefits & Rewards

Today, we’re diving deep into the ICICI Bank HPCL Super Saver Credit Card. If you are someone who spends frequently on fuel, utilities, and entertainment, this card promises to offer great value. Let’s explore its fees, benefits, cashback offers, lounge access, and other privileges in detail.

Fees & Charges

• Joining Fee: ₹500 + GST

• Annual Fee (from 2nd year onwards): ₹500 + GST

• Annual Fee Waiver: Spend ₹1,50,000 or more in an anniversary year and the next year’s fee will be waived.

• Supplementary Card Fee: ₹199 + GST

• Overdue Interest: 3.75% per month on extended credit and cash advances

Note: If you don’t hit the ₹1.5 lakh annual spend, the annual fee applies from the following year.

Welcome Benefits

• 2,000 Reward Points on activation and fee payment (valid if you spend ₹5,000 or more within 45 days of issuance).

• ₹100 Cashback on HP Pay App (one-time benefit, available after making a fuel purchase of ₹1,000 or more through the HP Pay app).

Entertainment Benefits

• 25% Discount (up to ₹100) on booking a minimum of two tickets per transaction at BookMyShow & INOX.

• Usage Limit: Up to 2 times per month per platform.

• Cashback Timeline: Credited within 60 days (not instant).

Airport Lounge Access

• Complimentary Access: 1 domestic lounge access per quarter.

• Unlock Criteria: Spend ₹75,000 in the preceding calendar quarter.

• Access Validity: Available in the following calendar quarter.

• Lounge List: Click here for ICICI Domestic Lounge Access List

ICICI Bank Credit Card Apply Link - Click Here

Fuel Spending Benefits

“Now, let’s talk about what this card is primarily built for – fuel savings.”

• 4% Cashback on fuel at HPCL fuel pumps (using any bank POS Machine).

  • Cap: ₹200 cashback per month.

  • To get the full ₹200 cashback, you need to spend ₹5,000 per month on fuel.

  • No minimum transaction required.

• Fuel Surcharge Waiver:

  • 1% surcharge waived for transactions between ₹400 and ₹4,000 at HPCL pumps.

  • Effectively adds another 1% saving on top of 4% cashback.

• HP Pay App Bonus:

  • Earn 1.5% cashback (6 loyalty points) per ₹100 spent via the HP Pay app.

  • Cashback posts as per statement cycle (late spends may post next cycle).

  • Both primary and add-on card spends are eligible.

Utilities & Department Store Cashback

“For your monthly bills and shopping needs, this card has you covered.”

• 5% Cashback (as Reward Points) on:

  • Groceries

  • Telecom

  • Government/tax payments

  • Departmental stores

• Cap: 400 Reward Points per month (worth ₹100).

• Earning Rate: 20 points per ₹100 spent (1 Reward = ₹0.25).

General Retail Rewards

• 2 Reward Points per ₹100 spent on all other retail transactions (domestic & international).

• Exclusions: Cash advances, fuel spends, fees, EMIs, BT/PLCC, and reversed transactions.

Security Features

“Security is top priority.”

• Embedded Chip & PIN technology for fraud protection.

• PIN required at POS terminals for added security.

• Note: PIN not required for online shopping.

Automobile-Related Privileges

“If you’re often on the road, these benefits can be lifesavers.”

• 24×7 Roadside Assistance via toll-free helpline.

• On-site Repairs: Flat tyres, dead batteries, and minor issues.

• Towing: To nearest authorized workshop.

• Taxi Service: Up to 50 km for occupants.

• Fuel Delivery: Up to 5 L (charged at actuals).

• Locked/Lost Key Assistance: Spare key retrieval.

• Customer Conference Calling: Live updates on service status.

• Accommodation & Medical Assistance: For outstation emergencies.

• Vehicle Repatriation: Back home up to 100 km (beyond that, chargeable).

• Replacement Car: Available at market rates.

RuPay Variant Special Benefits

“If you hold the RuPay variant, you get some extra perks.”

• 24×7 Concierge Service: Assistance for:

  • Gift & flower delivery

  • Restaurant referrals

  • Limo rentals

  • Courier services

  • Golf bookings

  • Movie tickets

  • Tax filing help

  • Lost passport/luggage assistance

  • Hospital admissions

• Personal Accident Cover: Up to ₹2 lakh (claim must be raised within 90 days).

Final Verdict – Should You Get This Card?

The ICICI Bank HPCL Super Saver Credit Card is an excellent choice for:

✔ Frequent drivers who refuel at HPCL pumps
✔ Movie lovers who enjoy BookMyShow/INOX offers
✔ Regular bill payers & grocery shoppers looking for 5% cashback

With fuel savings, utility rewards, roadside assistance, and lounge access, this card packs a lot of value for just ₹500 annual fee (waived on ₹1.5 lakh spend).

Best For: Individuals spending consistently on fuel, utilities, and entertainment.