ICICI HPCL Super Saver Credit Card

Quick verdict: The best fuel card for HPCL-side commuters — and it earns that partly by being more than a fuel card. Alongside 5% on HP fuel it pays 5% on groceries and departmental stores, categories most petrol co-brands skip, for a ₹500 fee that waives at ₹1.5 lakh. HPCL-network-locked, with full value leaning on the HP Pay app and sensible point redemption. A practical, near-free keeper for the HP household.

See how it compares against the best BPCL and IndianOil cards: Best Fuel Credit Cards in India 2026.

The ICICI HPCL Super Saver is the best fuel card for HPCL-side commuters, and it earns that title partly by being more than a fuel card. Where most petrol co-brands pay you only at the pump, the Super Saver adds useful secondary earning on groceries and bills — categories many fuel cards ignore entirely. At a low fee that waives easily, it's a practical, unglamorous keeper for anyone who fills up at HP.

What it earns

The Super Saver targets HPCL fuel with helpful extras:

• 5% back on HPCL fuel — made up of 4% cashback (capped ₹200/month) plus a **1% fuel surcharge

waiver — with an extra 1.5% Happy Coins** when you pay via the HP Pay app.

• 5% back on groceries and departmental stores (20 RP per ₹100) — a genuine differentiator most fuel

cards skip — but capped at 400 reward points a month (≈₹2,000 of such spend).

• ~0.5% base (2 RP/₹100) on other spends, plus 25% off BookMyShow/INOX twice a month — itself now gated

behind ₹25,000 of spend in the preceding quarter — and spend-gated domestic lounge access (₹75,000 in a calendar quarter).

• ₹500 fee, waived at ₹1.5 lakh of annual spend, and a 2,000-point welcome reward worth about ₹500.

For an HP commuter who also buys groceries, the combination of 5% on fuel and 5% on groceries makes this more versatile than a single-category fuel card — you're rewarded on two recurring household categories rather than one. The ₹1.5 lakh waiver is achievable for most households, making the card effectively free in practice.

The honest read

Two caveats keep expectations realistic:

• It's HPCL-locked. The 5% fuel benefit applies at Hindustan Petroleum pumps — if your route favours IOCL

or BPCL stations, the equivalent co-brands (IndianOil HDFC, SBI Octane) serve you better. Get the network right first; a fuel card is only as good as the pumps you actually use.

• Maximum value leans on HP Pay and the reward-point redemption routes, so a plain pump-counter swipe may

earn less than the headline. Redeem points sensibly (toward fuel/value, not low-value catalogue options) to capture the full 5%.

The bigger thing to internalise is the caps: the fuel 5% is really 4% cashback capped at ₹200 a month (≈₹5,000 of fuel) plus the surcharge waiver, and the grocery 5% is capped at 400 reward points a month (≈₹2,000 of spend) shared with utility bills — the two categories draw on one pool, not two. So the absolute cashback is modest even though the rates read generously — think a few hundred rupees a month, not thousands. The surcharge waiver has its own ceiling too: ICICI applies it to the first ₹50,000 of fuel spend per statement cycle.

One category that reads like it belongs in the 5% bucket but doesn't is insurance. ICICI's essentials rate here covers utility bills, groceries and departmental stores; premiums fall through to the 2 RP/₹100 base, and since 1 February 2026 only the first ₹40,000 of insurance spend per statement cycle earns anything at all. Worth knowing before you put an annual policy on the card in one go. ICICI writes that cap against the HPCL Super Saver by name — the HPCL Coral, which sits in a different band of the bank's cap table, is not covered by it, and the two cards should not be read as one product.

Who should hold it

The Super Saver suits the HPCL commuter who fills up at HP pumps and also spends on groceries — for that household, the dual 5% on fuel and groceries, at a near-free effective cost, makes it a practical everyday keeper. It's a more versatile fuel card than most.

It's the wrong card for IOCL/BPCL drivers (wrong network — their co-brands earn more on the pumps they use), and as a general all-rounder (the ~0.5% base is weak outside the fuel/grocery categories).

The bottom line

The ICICI HPCL Super Saver is a practical, unglamorous fuel keeper that does more than most fuel cards: 5% back on HPCL fuel plus 5% on groceries and departmental stores — a useful secondary category that single-purpose petrol cards skip — at a ₹500 fee that waives easily at ₹1.5 lakh. For the HP commuter who also does the household grocery run, that dual earning makes it genuinely versatile and effectively free. The constraints are the obvious ones: it's HPCL-network-locked (IOCL/BPCL drivers should pick their own co-brands), and the full value leans on the HP Pay app and sensible point redemption. Get the fuel network right, redeem deliberately, and it's a sensible, low-stakes keeper for the HP-side household — boring in the best way.