This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same fuel and grocery earning and ₹500 fee, on RuPay - so it can be linked to UPI apps.
In-depth review
ICICI HPCL Super Saver Credit Card
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.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback in year one — conditional on ₹5,000 of spend within 45 days of card set-up
5% on Utility Bills
5% as reward points (20 RP/₹100) on utility & bill payments; shares the 400 RP/month (~₹100) cap with grocery & departmental stores
5% on Groceries
5% as reward points on grocery & departmental stores (20 RP/₹100); shares one 400 RP (~₹100) monthly cap with utility & bill payments
Airport Lounge Access
Domestic airport lounge access on spending ₹75,000 in the previous calendar quarter (primary cardholder)
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹1,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹500/month
Movie Ticket Benefit
25% off (up to ₹100) on movie tickets via BookMyShow and INOX, twice a month, unlocked by ₹25,000 of spend in the preceding calendar quarter; plus 24x7 road-side assistance
⛽ FUEL BENEFITS
Co-branded card — maximum savings at HPCL stations.
Up to 4%
Fuel reward rate
1%
Surcharge waiver
₹500
Waiver cap/month
PARTNER FUEL STATIONS
- Co-branded card — maximum rewards at HPCL fuel stations
- Up to 4% effective return on fuel purchases
- 1% fuel surcharge waiver at all fuel stations
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 25% off (up to ₹100) on movie tickets via BookMyShow and INOX, twice a month, unlocked by ₹25,000 of spend in the preceding calendar quarter; plus 24x7 road-side assistance
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
✓
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (worth ~₹2,000/yr)
For car owners who refuel primarily at HPCL/HP outlets and want grocery earning too. Less suited to IOCL/BPCL-side drivers, who have better-matched co-brands.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Utility Bills | reward points | 5%20 pts/₹100 × ₹0.25 | ₹100one cap shared with Groceries |
| Groceries | reward points | 5%20 pts/₹100 × ₹0.25 | ₹100one cap shared with Utility Bills |
| Fuelonly at Hindustan Petroleum (HPCL) | cashback | 4% | ₹200 |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
| Insurance | reward points | 0.5%2 pts/₹100 × ₹0.25 | ₹200 |
Utility Bills: 5% as reward points (20 RP/₹100) on utility & bill payments; shares the 400 RP/month (~₹100) cap with grocery & departmental stores
Groceries: 5% as reward points on grocery & departmental stores (20 RP/₹100); shares one 400 RP (~₹100) monthly cap with utility & bill payments
Fuel: 4% cashback on HPCL fuel (capped ₹200/month) + 1% surcharge waiver = ~5%; extra ~1.5% Happy Coins via HP Pay app · Hindustan Petroleum (HPCL)
Other: 2 reward points per ₹100 (~0.5% at ₹0.25/point) on all other spends
Insurance: Insurance premiums earn the 2 RP/₹100 base rate, not the 5% essentials rate, and since 1 Feb 2026 only on the first ₹40,000 of insurance spend per statement cycle (800 RP)
Earns nothing on: Rent · Cash Advances · Wallet Loads
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹500 |
Perks & benefits
Estimated annual value beyond rewards — ~₹4,400/yr in total.
Domestic airport lounge access on spending ₹75,000 in the previous calendar quarter (primary cardholder)
25% off (up to ₹100) on movie tickets via BookMyShow and INOX, twice a month, unlocked by ₹25,000 of spend in the preceding calendar quarter; plus 24x7 road-side assistance
Should you get it?
- Best for: Drivers who refuel mainly at HPCL pumps, Households wanting fuel plus everyday-essentials rewards on a low fee
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Utility Bills (5% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Up to 5% savings on HPCL fuel (4% cashback + 1% surcharge waiver + HP Pay bonus)
- 20 reward points per ₹100 on daily essentials
- Movie-ticket discounts and complimentary road-side assistance
✕ Cons
- Fuel cashback capped at ₹200 a month
- Lounge access needs ₹75,000 of spend in the prior quarter
- Only 2 reward points per ₹100 on general retail — insurance included, and capped at ₹40,000 of premium per statement cycle
- The BookMyShow offer now needs ₹25,000 of spend in the preceding quarter
Eligibility & documents
This is the figure for salaried applicants. Where ICICI Bank sets a separate one for the self-employed, its own eligibility page gives it.
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem reward points and Happy Coins against fuel and on the ICICI rewards catalogue
- 🎁Statement credit on eligible spends
What your ICICI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
1 RP = ₹0.40 against the statement — ICICI's only published rate
Voucher store; ICICI publishes only an 'up to ₹1' ceiling, never a realised rate
iShop travel; rate is set per card at checkout, so the ₹1 ceiling is not a value
Locked to HPCL pumps, with monthly caps on both the fuel (₹200) and grocery (400 RP) earn — if your route favours IOCL or BPCL stations, the equivalent co-brands serve you better.
Frequently asked questions
What is the effective fuel return at HPCL?
Is HP Pay app required for the full benefit?
What is the monthly fuel cashback cap?
Is there lounge access?
What earns 5%?
Is insurance spend capped?
How has the ICICI HPCL Super Saver Credit Card changed over time?
Has the ICICI HPCL Super Saver Credit Card been devalued recently?
When did the ICICI HPCL Super Saver Credit Card's fees last change?
How did the ICICI HPCL Super Saver Credit Card change in 2026?
The bottom line
The best fuel card for HPCL-side commuters, with useful secondary earn on bills and groceries that most fuel cards skip, and a fee that waives easily at ₹1.5 lakh. Just hold the caps in mind — fuel cashback is ₹200/month and grocery points top out around ₹2,000 of spend — and lean on the HP Pay app for the full value.
How this page was built
Counted from this card’s own record: 5 earn rules, 4 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 2 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the ICICI HPCL Super Saver Credit Card are taken from ICICI Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for ICICI Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
ICICI HPCL Super Saver Credit Card
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.
ICICI Bank HPCL Coral Credit Card
The cheapest way onto ICICI's HPCL fuel rail: a ₹199 card that waives at just ₹50,000 of annual spend and pays up to 3.5% back at HP pumps — 2.5% cashback (capped ₹100/month) plus a 1% surcharge waiver. Off the pump it earns a thin ~0.5%, and there's no lounge access. A near-free keeper for the light HP refueller; heavier fuel spenders belong on the pricier HPCL Super Saver.
Best Fuel Credit Cards in India 2026: Top Picks for HPCL, BPCL and IndianOil
The best fuel credit cards in India return roughly 4–8.5% on petrol and diesel through reward acceleration plus a 1% fuel surcharge waiver. This guide names the best card for each pump — IndianOil, HPCL, BPCL — and, if you have no preferred pump, the brand-agnostic cards that still pay on fuel.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2021 · last change Mar 2026
2026
- ▼ FeeObserved 19 Feb 2026 · Effective 1 Mar 2026
Minimum Amount Due rebuilt as a two-branch formula
5% of the outstanding amount, plus instalments, the over-limit amount, fee GST and any unpaid previous MAD→100% of GST, EMI principal and interest, fees, the over-limit amount and unpaid MAD, plus 5% of retail spends, cash advances and the finance charge — the finance charge taken in full whenever that 5% falls short of it
From the 1 March 2026 statement onwards ICICI stopped deriving the Minimum Amount Due from a single 5%-of-outstanding line and began building it component by component: GST, EMI principal and interest, fees and charges, the over-limit amount and any unpaid previous MAD are all taken at 100%, and 5% is applied to retail spends, cash advances and the finance charge. Where 5% of those three comes to less than the finance charge alone, the whole finance charge is added instead and only retail and cash are taken at 5%. ICICI illustrates both branches itself — a minimum of ₹11,210 on a ₹37,830 total due, and ₹21,620 on a ₹1,15,810 total due where finance charges dominate. Paying the statement in full is unaffected; the minimum rises only for people carrying a balance or taking cash.
Verification: ICICI Bank ↗ · Confidence: High
- ▼ RewardEffective 1 Feb 2026
Insurance-category earning capped
Insurance spends earned uncapped→Insurance rewards capped at ₹40,000 per statement cycle
The same 1 February 2026 revision capped reward-point earning on insurance-category spends at ₹40,000 of spend per statement cycle on the HPCL Super Saver. Premium renewals above that still post to the card but stop earning, which matters on a card people often use to put an annual policy on plastic in one go.
Verification: ICICI Bank ↗ · Confidence: Reconstructed
2022
- ◆ RedemptionObserved 1 Aug 2022 · Effective 2022
Reward currency migrates from PAYBACK to ICICI Bank Rewards
PAYBACK points→ICICI Bank Reward Points
ICICI wound down PAYBACK earning on its credit cards and launched its own ICICI Bank Rewards programme in 2022, so the card's points shifted from PAYBACK to ICICI Bank Reward Points (redeemed at ₹0.25/point). The earn structure — 5% fuel, 5% on daily essentials, 2 points per ₹100 base — was preserved; only the currency and redemption portal changed.
Verification: ICICI Bank ↗ · Confidence: Reconstructed
2021
- ◆ LaunchEffective 20 Jul 2021
ICICI Bank and HPCL launch the HPCL Super Saver co-brand card
Launched as a fuel co-brand paying 5% on HPCL fuel (4% cashback capped ₹200/month + 1% surcharge waiver), 5% as points on electricity, mobile and departmental stores (Big Bazaar, D-Mart), and 2 points per ₹100 elsewhere, for a ₹500 fee waived at ₹1.5 lakh. Rewards were originally issued as PAYBACK points, with a 2,000-point welcome benefit.
Verification: ICICI Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/icici-hpcl-super-saver#value-timeline">ICICI HPCL Super Saver Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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