ICICI Bank HPCL Super Saver Credit Card
The ICICI Bank HPCL Super Saver Credit Card is a co-branded fuel credit card launched in partnership with HPCL. It offers both cashback and reward points on all types of spending, not just fuel. With an annual fee of ₹500, cardholders get welcome benefits like bonus reward points and cashback. The card allows users to save up to 5% on purchases and comes with extra perks such as airport lounge access, discounts on dining and movies, and a renewal fee waiver based on spending.
ICICI Bank HPCL Super Saver Credit Card is a great option for those who frequently spend on fuel, groceries, and utilities. It offers 4% cashback and a 1% fuel surcharge waiver at HPCL petrol pumps, along with reward points on other expenses. Users also get free domestic lounge access and discounts on movie tickets. With benefits like 24/7 roadside assistance and a 0.5% reward rate on other purchases, this card provides good value for everyday spending.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
ICICI HPCL Super Saver Credit Card: Simple Guide to Benefits
The ICICI HPCL Super Saver Credit Card is a co-branded fuel card from ICICI Bank. It is designed for people who want to save on fuel and enjoy extra perks such as lounge access, movie and dining discounts, and roadside assistance. This guide explains everything in simple words so you can understand how to make the most of this card.
Welcome Benefits
When you get this card, you start earning rewards immediately. You receive 2,000 Reward Points after paying the membership fee and spending Rs. 5,000 within 45 days. Additionally, you get Rs. 100 cashback in your HP Pay wallet on your first transaction of Rs. 1,000 or more using the app.
These welcome benefits make the card useful from the very beginning and help you save on your initial spending.
Fuel Benefits
Fuel is the main advantage of this card. You get a total of 5% benefit on fuel purchases at all HPCL stations across India. This includes:
- 4% cashback
- 1% fuel surcharge waiver
For example, if you spend Rs. 5,000 on fuel in a month, you can get Rs. 200 cashback plus a surcharge waiver. This is ideal for daily commuters or families who drive regularly.
Travel and Lounge Access
If you travel by air, this card offers one complimentary domestic lounge visit per quarter at major airports in India. To qualify, you need to spend at least ₹75,000 in the previous quarter. This allows you to relax and refresh before flights without extra charges.
Even if you are an occasional traveler, lounge access can save time and add comfort, especially during long layovers or delayed flights.
Movie and Dining Offers
The card also provides entertainment and dining benefits. You can enjoy a 25% discount on BookMyShow and Inox movie tickets (up to Rs. 100 per ticket, twice a month). You also get exclusive dining discounts at partner restaurants under the ICICI Bank Culinary Treats Programme.
For example, if you book two movie tickets for Rs. 400 each, you can save Rs. 100 per ticket using this card, making your movie outing cheaper and more enjoyable.
Fee Waiver and Road Assistance
The card’s annual fee is Rs. 500, but spending Rs. 1.5 lakh in a year can waive the fee. You also get 24×7 Road Assistance Service, which includes help for flat tires, lost or locked keys, vehicle repair, and other emergencies.
This is helpful if you face a roadside emergency. Even small problems like a flat tire or lost keys are covered without extra charges.
Rewards and Cashback
| Spending Type | Benefit | Limit |
|---|---|---|
| Fuel at HPCL stations | 4% cashback + 1% surcharge waiver | Rs. 200/month |
| Utilities & departmental stores | 5% cashback as Reward Points (20 points per Rs. 100 spent) | 400 points/month |
| All other transactions | 2 Reward Points per Rs. 100 spent | No limit |
Reward Points Redemption
Reward Points can be redeemed for gifts or cashback. Each point equals Re. 0.25. A small Rs. 99 fee applies for each redemption request. This makes it simple to use your rewards without confusion.
Charges You Should Know
The card charges are simple:
- Joining & annual fee: Rs. 500 (waivable after spending Rs. 1.5 lakh)
- Interest rate: 3.75% per month
- Cash advance: 2.5% of withdrawn amount (minimum Rs. 500)
- Foreign currency markup: 3.5% per transaction
Who Can Apply?
Applicants must be above 21 years old, have a stable income source, and maintain a good credit score. Most salaried and self-employed individuals meet these criteria easily.
How to Apply
You can apply online via ICICI Bank’s website by filling the form and submitting identity, address, and income proof. Offline applications are also possible at any ICICI Bank branch with the same documents.
Check Your Application Status
After applying, you can track the status of your card:
- Online through ICICI Bank’s application status page
- Call ICICI Bank customer care
- Visit a branch and check with bank officials
Why This Card is Useful
The ICICI HPCL Super Saver Credit Card is perfect for those who spend a lot on fuel. With just a Rs. 500 annual fee, you get 5% benefits on fuel, reward points on other purchases, and complimentary lounge access.
Even if you travel occasionally, enjoy movies, or dine out, the card provides extra perks and safety through road assistance. It is a practical, affordable way to save money and earn rewards every day.
ICICI HPCL Super Saver Credit Card Review
This card is easy to use, cost-effective, and rewarding. If you frequently buy fuel or want extra perks like lounge visits, movie and dining discounts, the ICICI HPCL Super Saver Credit Card is worth considering.
Existing cardholders can share their experiences in the comments to help others make informed decisions.
What benefits do I get on fuel purchases?
You get 4% cashback and 1% surcharge waiver at HPCL fuel stations, which means you save a total of 5%.
Does this card offer international lounge access?
No, it only includes access to domestic airport lounges.
How can I redeem my ICICI Reward Points?
You can redeem points for cashback, gifts, or vouchers through ICICI Bank’s Reward Redemption Portal or by contacting customer care. The redemption value may vary.
Does this card offer golf privileges?
No, it does not include any golf benefits.
Are there other HPCL co-branded credit cards?
HPCL has collaborated with IDFC FIRST Bank and Bank of Baroda to launch a range of credit cards, namely IDFC FIRST Power, IDFC FIRST Power Plus, and BOB Energie.
If I spend ₹10,000 on fuel monthly, how much can I save?
You can get up to ₹200 cashback every month when you spend up to ₹4,000 on fuel at HPCL petrol pumps. Any amount beyond this won’t earn cashback or reward points.
Can I upgrade my ICICI Platinum Chip Credit Card to this one?
Upgrade eligibility depends on ICICI Bank’s criteria. Contact customer support or your relationship manager to check if you qualify.
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