ICICI Bank HPCL Super Saver Credit Card is a fuel saving credit card. It is made by ICICI Bank with HP petrol pump company (HPCL). The card is useful for regular spending like petrol, electricity bill payment and grocery shopping.
You can get up to 5% value-back on fuel and also around 5% benefit on utility bills and grocery purchases. This card is not for flight points or luxury rewards. It is mainly for normal monthly use.
If you ride a bike or drive a car and refill petrol every week, the card helps you save some money. It also gives small benefit when paying electricity bill and buying household items.
As per Elets BFSI, ICICI Bank started this card with Hindustan Petroleum on 20 July 2021. It is suitable for family users, salaried persons and small business people who want to reduce monthly expenses.
ICICI Bank has two credit cards with the HP petrol pump company (HPCL).
- First is the ICICI Bank HPCL Super Saver Credit Card, which gives around 5% fuel saving.
- Second is the ICICI Bank HPCL Coral Credit Card, which gives around 2.5% fuel saving.
Both cards are mainly made for petrol expense users. The purpose is fuel saving, not shopping rewards or travel points.
These cards come in different card networks:
- RuPay card (most people get this)
- Visa card (given to some applicants)
- Mastercard (limited cases, depends on profile and service area)
The benefits are almost the same in all versions. But the RuPay card also gives extra features like accident insurance cover and basic concierge help.
What are the Benefits And Rewards You will get?
This card gives savings mainly on petrol and regular home payments like electricity bill, recharge and grocery purchase. Rewards work only when used for daily expenses.
HPCL Super Saver Credit Card – All Features 2026
• Spend total ₹5,000 within 45 days (petrol + grocery + bill anything works).
• Bank gives 2,000 reward points (value around ₹500).
• Also ₹100 fuel cashback comes in HP Pay wallet after first successful fuel payment.
Small point: cashback does not come same day. Usually 2-7 working days it shows.
• 20 reward points per ₹100 spend (approx 5% value)
Works on:
– grocery shop POS machine
– departmental store
– electricity bill payment
– mobile recharge
Monthly limit: 400 points only (about ₹100 value per month)
Other shopping (clothes, online items, etc):
• 2 reward points per ₹100 (very basic earning)
1 reward point value = ₹0.25
You can redeem for fuel or vouchers.
Redemption charge ₹99 per request.
• 4% cashback on HPCL petrol pump fuel
• Cashback maximum ₹200 per month
• 1% fuel surcharge waiver (₹400–₹4,000 transaction range)
• Extra ~1.5% reward points if payment done using HP Pay app
So overall saving comes near 5% on petrol.
Person fills petrol ₹1,000 every week for bike office travel.
Monthly petrol = ₹4,000
4% cashback ≈ ₹160
Surcharge saved ≈ ₹40
Extra reward points also add small value.
Total monthly saving about ₹180-₹200.
In one year saving becomes around ₹2,200 or little more.
• 25% discount
• Max ₹100 off per booking
• 2 times every month
• BookMyShow and INOX (minimum 2 tickets required)
• 1 free lounge visit per quarter
• Need ₹35,000 card spend in previous quarter
• Only primary cardholder allowed
- Tyre puncture or minor repair help
- Battery jump start
- Emergency fuel delivery up to 5 litres
- Towing up to 100 km to workshop
- Lost or locked key help
- Taxi help up to 50 km
- If repair takes more than 2 days, vehicle return support
• ₹2 lakh personal accident cover
• 24 hour concierge help service
• Reward points allowed on insurance premium up to ₹40,000 yearly
Many people swipe card for big shopping and think reward high. Actually this card gives best saving only on petrol and bills. Use it for fuel + electricity bill every month and always pay full bill amount — then card really saves money. Minimum payment will remove all benefit.
The Recent Changes happens in the ICICI HPCL Credit Card
As per the Economic Times, from 1 Feb 2026, ICICI Bank changed some rules in the HPCL Super Saver Credit Card. The bank did not close the benefits, but they put limits on them, and some new charges started.
Reward limits (important)
- Insurance payment points are now allowed only up to ₹40,000 in one month.
If you pay a bigger premium, the extra amount will not give a reward. - Train ticket, bus booking, metro recharge and similar transport spending — rewards only up to ₹10,000 monthly.
New charges added
- If you use card on gaming apps like Dream11 or MPL, the bank now takes 2% charge on that payment.
- If you add money in wallets (Amazon Pay, Paytm, Mobikwik), 1% fee will apply when the amount is ₹5,000 or more.
- Very big transport payments (above ₹50,000) will also get 1% charge.
- Paying the credit card bill by cash in branch is now ₹150 per payment. Earlier it was ₹100.
Simple understanding
Card still useful for petrol and bills, but the bank is stopping people from using it for heavy payments and wallet transfer-type use.
Real example (Easemoney type case): One reader paid LIC insurance premium around ₹72,000 using this card, thinking he will get full reward points. But only ₹40,000 counted for rewards. The remaining amount got zero points. He only realised after statement came.
So now this card is best for normal monthly use petrol, electricity bill, grocery. not for big payments or wallet loading.
What are the Pros And Cons of The Card?
The Pros (Why it’s worth it)
1. Fuel saving is main benefit
You get around 5% saving at HP petrol pump. Example: if you spend about ₹4,000 every month on petrol, in 1 year you almost recover fuel cost of one full tank. HP Pay app also shows points so easy to track.
2. Bills and grocery help
Electricity bill and mobile recharge also give near 5% value back. For a basic card, this is actually helpful because these are monthly expenses anyway.
3. Road help service
Card also gives roadside help. If bike or car stops on road, they can arrange towing, battery jump start or emergency fuel. Many people ignore this, but for daily office travellers it is useful.
4. Easy to take card
Annual fee is only ₹500 and it becomes free if you spend ₹1.5 lakh in a year. Even a ₹20,000 salary person can usually get approval.
The Cons (What to watch out for)
1. Monthly limit is small
Utility and grocery rewards stop after small spending. After around ₹2,000 monthly in those categories, extra spending will not give 5% benefit.
2. Airport lounge rule is strict now
In 2026, to get 1 free lounge visit, you must spend ₹35,000 in previous 3 months. For a normal budget card, this is a bit difficult.
3. Only HP petrol works
If you fill petrol at Indian Oil, Bharat Petroleum or Shell, you get no fuel benefit. Card is basically locked to HP pumps.
4. New charges added
Gaming payments now have 2% charge and wallet loading has 1% fee. People who use Paytm or wallets a lot will feel this.
5. Point use also costs money
Whenever you redeem reward points, bank takes ₹99 fee, so small points redemption is not very useful.
One user was using this card only for shopping and online payments. He was not filling petrol at HP pump. After 6 months he said card gives no benefit. Later he shifted petrol filling to HP pump and paid electricity bill with the card — then every month statement started showing small savings and yearly fee got covered automatically.
If your monthly fuel + bill spending is above ₹5,000, this card works well and pays its own fee.
If your spending is low, then a lifetime free credit card is safer choice.
What are the charges and hidden costs?
ICICI Bank HPCL Super Saver Credit Card has normal yearly fees and also some charges when you use the card in certain ways. Many people don’t notice these and later get surprised in bill.
| What charge | Amount |
|---|---|
| Joining fee | ₹500 + GST |
| Yearly fee | ₹500 + GST |
| Fee free option | Spend ₹1.5 lakh yearly |
| Reward points use | ₹99 per time |
| Fuel surcharge rule | Only in this range |
| Wallet loading | 1% above ₹5,000 |
| Online gaming | 2% charge |
| Big transport payment | 1% fee |
| ATM cash withdraw | 2.5% (minimum ₹500) |
| Foreign payment | 3.5% extra |
| Interest on due | 3.40% per month |
| Late payment | ₹100 to ₹1,300 |
| Cash payment in branch | ₹150 each time |
| Over limit use | 2.5% (min ₹500) |
Quick tip – One cardholder paid only the minimum due for 3 months, thinking “next month I will clear it”. Bill was around ₹28,000. After some time total became above ₹32,000 because interest kept adding every month (3.40%). He said reward points were small, but interest became big.
So simple rule — Use this card for petrol and bills, but always pay the full bill amount, not minimum due. Minimum due looks safe, but actually very costly.
What are the eligibility, Documents, and Credit limit?
1) Who can apply (Eligibility)
Age should be 21 to 65 years
Both job persons and self-working persons can apply
Salary people: take-home salary around ₹20,000 per month or more
Self-employed: yearly income about ₹2.4 lakh+ in ITR
Credit score matters:
- Around 750+ → mostly fast approval
- 700–750 → bank may manually check and call you
2) Documents bank asks
Identity proof (any one, PAN compulsory)
- PAN card (must)
- Aadhaar / Passport / Voter ID
Address proof
- Aadhaar card
- Electricity or gas bill
- Driving licence
Income proof
For salary persons
- Last 3 months salary slips
- Last 6 months bank statement
For self-employed
- Latest ITR copy with income details
Photo
Normally no physical photo needed now. During video KYC, bank captures your face live on mobile.
3) Credit limit (how much spending limit you get)
Limit is not fixed. Bank checks your income and existing loans.
New users usually get around ₹30,000 to ₹1,00,000 starting limit
If you already use ICICI account or loan, bank may give pre-approved card with higher limit
After 6–12 months of regular payment, bank often increases limit automatically
If you already have ICICI savings account, open the iMobile Pay app and check offers section. Many times card shows “pre-approved” and then bank does not ask income documents again.
How to Apply for the Card Online
- First, go to Easemoney and check if you are eligible.
- Press the Apply Now button.
- You will move to the official ICICI Bank page.
- Enter your mobile number and type the OTP received.
- Do Aadhaar or CKYC Number (basic identity check).
- Enter your PAN card details.
- Fill in your job/company name and work email ID.
- Email OTP will come — verify it.
- The bank will fetch your bank account using mobile OTP.
- Sometimes it asks Gmail login to match identity (normal step).
- After this, the bank checks your CIBIL/credit score.
If your credit history is fine → approval mostly comes same time or within few minutes.
After Approval
- The virtual card shows immediately inside ICICI app
- You can start online payment and UPI (RuPay card) same day
- Physical plastic card comes by courier in about 5–7 working days
Small advice: When applying, keep PAN, Aadhaar and bank-linked mobile number near you. Most applications fail only because OTP comes on another number or details mismatch.
FAQs
Is the ICICI HPCL Super Saver credit card good?
Yes, good if you use bike or car daily. Around ₹3,500-₹6,000 yearly saving possible. Best for petrol + electricity bill users. Not useful for heavy online shoppers or travel lovers.
What is the offer of ICICI HPCL Super Saver credit card?
Main offer is fuel saving. You get about 5% value back at HPCL pumps, plus 2,000 welcome reward points after ₹5,000 spend in 45 days and ₹100 HP Pay cashback credit.
Is ICICI HPCL credit card free?
No, not lifetime free. Annual fee ₹500 charged. But if yearly spending crosses ₹1.5 lakh, bank waives next year fee. Many regular users recover fee within 3-4 months petrol usage.
How does lounge access work in this card?
You get 1 domestic airport lounge visit per quarter. Condition: spend ₹35,000 in previous three months. Without that spending, lounge entry machine declines card even if card active.
Which airport lounges are allowed for ICICI HPCL Super Saver card?
The card works in ICICI Bank domestic lounge network across India airports like Delhi T3, Jaipur, Mumbai T2 and others. A full updated list changes time-to-time; You can check here bank publishes domestic lounge network PDF list.
