ICICI Bank HPCL Super Saver Credit Card Review

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29.07.2025 09:25 PM - Comment(s)

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank HPCL Super Saver Credit Card – fuel cashback, HPCL rewards, and surcharge waiver benefits
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Choose Your First (or Next) Credit Card Wisely

Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.

ICICI Bank HPCL Super Saver Credit Card Review
​"Drive. Dine. Save."

Introduction

The ICICI Bank HPCL Super Saver Credit Card is a co-branded fuel credit card designed for individuals who want to maximize savings on fuel, utility, and grocery expenses. With a low annual fee, generous cashback on fuel purchases, and a suite of lifestyle benefits, this card is ideal for those who frequently refuel at HPCL pumps and seek value from everyday transactions, Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits


Welcome Benefits

  • Get 2,000 reward points.

Reward Structure

  • Earn 20 reward points per ₹100 spent on daily essentials*.
  • Earn 2 reward points per ₹100 spent on other retail purchases.
  • Redeem points for a wide range of categories including Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion & Lifestyle.

24x7 Roadside Assistance

  • Round-the-clock assistance in case of vehicle breakdown.

Fuel cost savings

  • Save 5% on all fuel spends at HPCL petrol pumps and via the HP Pay app.

24x7 concierge service

  • Get round-the-clock assistance (RuPay Variant)

Movie and Dining Benefits

  • Enjoy 25% off (up to ₹100) on movie tickets booked via BookMyShow and INOX, twice a month.
  • Get dining discounts with Culinary Treats Programme.

Lounge Access

  • Enjoy 1 complimentary domestic airport lounge access every quarter on meeting the spend criteria.

UPI-Readiness

  • Linkable to all major UPI apps; pay at any QR merchant using credit card limit (RuPay Variant).

Insurance Cover

  • Personal Accident Insurance Cover (RuPay Variant).

Fees And Charges

  • Annual Fee ₹500 + GST, Waived on annual spends of ₹1.5 lakh or more.
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Fees And Charge Table

Card Essential

 Type:- Rewards Points

____________________________________

 Welcome Benefits:-  Get 2,000 reward points*.
____________________________________
Joining Fee:- ----
____________________________________
  Annual Fee:- ₹500 + GST
____________________________________
 Reward Structure:- rewards on SPENDS
____________________________________
Renewal Benefit:- Spend ₹1.5 Lakh+ annually, get your renewal fee waived.

Rewards and Benefits Analysis

The ICICI Bank HPCL Super Saver Credit Card is best suited for individuals who frequently refuel at HPCL pumps and want to maximize savings on fuel, utilities, and groceries. The card’s cashback structure, welcome benefits, and lifestyle perks make it a strong contender in the fuel credit card segment. The low annual fee and easy waiver further enhance its value for regular users.

Practical Considerations

  • Best for: Frequent HPCL fuel users, utility bill payers, and grocery shoppers.
  • Annual Fee Waiver: Achievable with ₹1.5 lakh annual spend.
  • Reward Redemption: Points can be redeemed for a variety of products and vouchers.
  • No international lounge access or premium travel benefits.

Redemption Options

  • Redeem reward points for shopping, travel, lifestyle products, and vouchers.

  • Fuel cashback is credited monthly for use at HPCL pumps.

Ideal User Profile

  • Individuals who frequently refuel at HPCL outlets.

  • Users seeking a low-fee, value-driven credit card with perks.

Final Thoughts

The ICICI Bank HPCL Super Saver Credit Card is a smart, budget-friendly choice for those who want to save on fuel, utility, and grocery expenses. With its generous cashback, welcome benefits, and complimentary lifestyle perks, it delivers excellent value for regular users. For those who frequently use HPCL pumps and want a card that rewards everyday spending.

Additional Tips for Applicants

  • Eligibility: Indian citizen aged 21 or above, earning ₹20,000/month (salaried) or ₹2,40,000/year (self-employed).
  • Plan your annual spends to qualify for the annual fee waiver.
  • Maximize rewards by using the card for all fuel, utility, and grocery purchases.

CDMS EXPERT ADVICE

Fuel savings feel great—until unpaid balances start burning your budget. Seek professional guidance from CDMS at cashon.cards to manage credit card obligations smartly, clear outstanding dues, and keep your finances running smoothly.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the ICICI Bank HPCL Super Saver Credit Card aligns with their 

Spending Habits And Financial Goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
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Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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