ICICI Bank HPCL Super Saver Credit Card Review

29.07.2025 09:25 PM - Comment(s)

ICICI Bank HPCL Super Saver Credit Card

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

and lead to unnecessary debt. Focus on stability & 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.

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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Card Essential

Type	Reward Points
Welcome Benefits	Get 2,000 reward points*.
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.

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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