Multi-Utility Fuel Card — 5% Savings on HPCL Fuel, 5% on Groceries & 4 Airport Lounges
Regular drivers and suburban families wanting consolidated fuel savings at HPCL pumps alongside grocery kickbacks and airport lounge travel comfort.
₹500
One-time upfront₹500
Waived on ₹1.5 lakh annual spend2 ICICI Reward Points per Rs 100 spent
On eligible spends1 Domestic visits/quarter · ₹75k quarterly spend required
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The ICICI Bank HPCL Super Saver Credit Card is a well-rounded co-branded fuel and household utility card engineered to provide motorists with dependable ongoing savings across transportation and monthly pantry bills. Charging a standard **joining and annual renewal fee of ₹500 + GST** (waived on spending ₹1,50,000 annually), the card offers an immediate first-year return with a welcome package of **2,000 ICICI reward points** plus a **₹100 cashback in the HP Pay app** upon card activation. At HPCL fuel stations, cardholders unlock **5% total fuel savings**: this consists of 4% cashback as reward points on fuel spends (capped at ₹200 per statement month) plus a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. Additionally, paying via the HP Pay wallet app unlocks an incremental 1.5% cashback. Elevating its value beyond the petrol pump, the card earns **5% cashback as reward points on grocery and departmental store spends, as well as on electricity and mobile utility bills** (capped at ₹100 per month each). Unusually for an entry-level fuel card, the HPCL Super Saver includes **4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)**, unlocked upon achieving a retail spend of ₹50,000 in the previous calendar quarter. Cardholders also enjoy a 25% discount on BookMyShow movie tickets (up to ₹100 twice a month). For commuters who fill tank at HPCL and want solid everyday grocery rewards with travel perks, this card is a very compelling choice.
4% cashback on fuel spends at HPCL pumps, 5% cashback as RPs on departmental store spends & utility purchases, 2 Reward points per Rs. 100 spent for all other domestic and international transactions.
2,000 bonus Reward Points on paying the membership fee within 2 months and spending at least Rs. 5,000 within the first 45 days of card issuance; Rs. 100 cashback on HP Pay app on the first fuel purchase of Rs. 1,000 or more.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Utilities, Groceries & Departmental | 5% valueback in reward points (20 Reward Points per ₹100, max 400 pts/month) | 400 Reward Points/mo | Standard terms apply |
| HPCL Fuel Purchases | 5% total valueback at HPCL (4% cashback + 1% surcharge waiver, max ₹200 cashback/month) | 200 Reward Points/mo | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹100 spent (1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Utilities, Groceries & Departmental | ₹6,000 | 5% valueback in reward points (20 Reward Points per ₹100, max 400 pts/month) | — | ₹400/monthly | Calculating... | Under cap |
| HPCL Fuel Purchases | ₹6,000 | 5% total valueback at HPCL (4% cashback + 1% surcharge waiver, max ₹200 cashback/month) | — | ₹200/monthly | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹500
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹500 + GST (Welcome benefit of 2,000 reward points + ₹100 HP Pay cashback upon fee payment). • Annual Renewal Fee: ₹500 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving retail spends of ₹1,50,000 in the preceding anniversary year. • HPCL Fuel Savings: 5% total savings on HPCL fuel purchases (4% reward points + 1% fuel surcharge waiver; bonus 1.5% cashback via HP Pay app). • Grocery & Departmental Spends: 5% cashback as reward points on grocery and departmental stores (capped at ₹100/month). • Utility Bill Spends: 5% cashback as reward points on electricity, water, and telecom utility bills (capped at ₹100/month). • Base Rewards: 2 ICICI Reward Points per ₹100 spent on all other eligible retail purchases. • Domestic Airport Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (1 per calendar quarter, spend hurdle of ₹50,000 in previous quarter). • Movie Privileges: 25% discount on movie tickets on BookMyShow (up to ₹100 per transaction, valid twice per month). • Foreign Currency Markup: 3.50% + GST on foreign exchange transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding ICICI Bank HPCL Super Saver Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official ICICI Bank portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Daily Commuters, Two-Wheeler Owners & Budget Fuel Spenders at BPCL Outlets
Rewards: 1 Reward Point per Rs 100 spent
Renewal fee waived on ₹50,000 annual spend
Last verified 2 Oct 2026
Best for: Motorists, daily commuters, and vehicle owners looking to maximize fuel savings at HPCL outlets while earning accelerated rewards on groceries.
Rewards: Get 24 Reward Points per Rs. 150 spent on fuel transactions at all the HPCL fuel stations. 10 Reward Points per Rs. 150 spent on groceries and departmental spends. 2 Reward Poin...
Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required
Renewal fee waived on ₹50,000 annual spend
Last verified 9 Sept 2026
Best for: Daily motorists, highway commuters, and budget-conscious suburban families looking to save up to 6.5% on HPCL fuel along with solid 5% grocery and utility returns.
Rewards: Up to 6.5% savings on HPCL fuel; 5% on grocery, utility, and FASTag; 3X on other retail
Lounge access: 1 Domestic visits/quarter · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹1,50,000 annual spend
Last verified 17 Sept 2026
Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
Federal Bank Visa Imperio Credit Card
Best for: Salaried individuals and families looking for a zero-fee card for everyday retail, groceries, and occasional domestic travel.
Rewards: 1x rewards for other categories
Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 3 Oct 2026
Federal Bank Mastercard Imperio Credit Card
Best for: Family grocery shopping at BigBasket, dining out, and domestic travel
Rewards: Federal Rewards
Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required
Last verified 3 Oct 2026
