ICICI Bank
HPCL Super Saver Card
The ICICI HPCL Super Saver is a budget-friendly fuel card delivering a combined 5% value-back at HPCL pumps and on groceries or utilities. While its ₹500 fee is easily offset by a 2,000-point welcome bonus, the 2026 ₹35,000 quarterly spend requirement for lounge access and tight monthly reward caps make it a card for light spenders.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 31 May 2026.
At a Glance
Annual Fee
₹500
Joining Fee
₹500
Fee Waiver
Spend ₹1,50,000 annually
Lounge Access
See details
Forex Markup
3.5%
Effective Yield
0.5% – 5%
Our Take
The ICICI HPCL Super Saver is a budget-friendly fuel card delivering a combined 5% value-back at HPCL pumps and on groceries or utilities. While its ₹500 fee is easily offset by a 2,000-point welcome bonus, the 2026 ₹35,000 quarterly spend requirement for lounge access and tight monthly reward caps make it a card for light spenders.Despite its "Super Saver" branding, this card is heavily restricted by a ₹300 total monthly cashback cap across accelerated categories—roughly ₹200 for fuel and ₹100 for everything else. An unbiased review must highlight the April 2026 lounge restructuring: you now need a consistent monthly spend to unlock a single domestic visit per quarter. However, the card’s unique 24x7 Roadside Assistance and 25% movie discounts on BookMyShow provide rare "lifestyle" value for an entry-level fuel card. With a ₹1.5 lakh annual fee waiver, it serves best as a specialized tool for HPCL loyalists rather than a primary all-rounder.
Pros
- Combined 6.5% Fuel Value-back: Offers 4% cashback on HPCL fuel, a 1% surcharge waiver, and an additional 1.5% 'Happy Coins' when paying via the HP Pay app. This multi-layered approach makes it more rewarding than the standard HPCL Coral card.
- Versatile 5% 'Everyday' Rewards: Earns 20 Reward Points per ₹100 (5% value-back) on Utilities, Groceries, and Departmental Stores. This is one of the highest rates in the entry-level segment for essential 'home-running' expenses.
- Integrated Roadside Assistance (RSA): Provides 24/7 complimentary roadside assistance, including vehicle towing (up to 100km in certain 2026 updates), battery jumpstarts, and even emergency fuel delivery. This is a premium safety feature rarely found on a ₹500 fee card.
- Lucrative Joining 'Payback': Upon paying the ₹500 fee and spending ₹5,000 within 45 days, you receive 2,000 Reward Points (worth ₹500) and ₹100 cashback on HP Pay. This effectively makes the card 'First Year Free' with a small profit.
- Movie Entertainment Perks: Offers 25% off (up to ₹100) on movie tickets twice a month on both BookMyShow and INOX. For a casual moviegoer, this provides an easy ₹2,400 in annual savings, which is nearly 5x the card's annual fee.
Cons
- Severe 2026 Lounge Spend Hurdle: As of April 2026, ICICI has hiked the spend requirement for domestic lounge access. You must now spend at least ₹35,000 in the previous calendar quarter to unlock just one visit. This is a very high barrier for a card typically used for small-ticket daily needs.
- Aggressive Reward Capping: The 5% utility and grocery rewards are capped at a very low 400 points (₹100) per month. You hit this limit after spending just ₹2,000, making it ineffective for large families with higher grocery or electricity bills.
- Fuel Cashback Limits: The 4% direct cashback is capped at ₹200 per month. This means your 5% fuel benefit only applies to the first ₹5,000 spent on fuel; beyond that, you drop to the base reward rate.
- Poor Base Reward Math: On all other retail spends, the card earns a meager 2 points per ₹100 (0.5% value-back). This is significantly lower than the 1.5% offered by the Axis ACE or SBI Cashback card, making it a poor choice for general shopping.
- Redemption Friction: While 1 point = ₹0.25, ICICI charges a ₹99 + GST redemption fee for most 'catalogue' items. To avoid this, users must use the 'HP Pay' app for direct fuel redemption, which tethers you strictly to the HPCL ecosystem.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| HPCL Fuel (Standard Swipe) | 4% Cashback + 1% Waiver | 5.00% | ₹200 Cashback per month |
| Groceries, Utilities & Dept. Stores | 20 RP per ₹100 | 5.00% | 400 RP (₹100 value) per month |
| Other Retail Spends | 2 RP per ₹100 | 0.50% | No Upper Cap |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.1 Lakh | Welcome Bonus2,000 pts | ₹500 Value | Awarded upon spending ₹5,000 within 45 days of card issuance and fee payment. |
| ₹1.5 Lakh | Fee Waiver0 pts | ₹500 + GST Savings | Annual fee for the following year is waived upon hitting this spend target. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| HP Pay App (Instant Fuel) | ₹0.25 per point4:1 Ratio | Best Value (No redemption fee when converted to fuel credits via app) |
| ICICI Rewards Catalogue | ₹0.25 per point4:1 Ratio | Avoid (Standard ₹99 + GST redemption fee applies) |
What You Need to Know
New Fuel Spend Fee (2026)
A 1% fee is now levied on total fuel spends exceeding ₹10,000 per month.
Impact: For heavy commuters, this fee will negate the cashback earned on the excess amount.
Lounge Spend Trigger (2026)
Domestic lounge access now requires a spend of ₹75,000 in the previous quarter.
Impact: Makes the lounge perk difficult to maintain for what is otherwise a low-spend fuel card.
Essential Fine Print
Reward Exclusions
Excluded Categories: Rent payments and e-wallet loading transactions do not earn reward points.
Welcome Offer
Bonus Reward Points
2,000 Reward Points credited upon payment of the joining fee and spending ₹5,000 within 45 days of card issuance.
Lounge Access
Domestic Lounge Access
1 complimentary domestic airport lounge visit per quarter, provided a minimum spend of ₹75,000 is met in the previous calendar quarter.
Milestone Benefits
Annual Fee Waiver
The renewal fee of ₹500 is waived if the total spends on the card exceed ₹1,50,000 in the previous anniversary year.
Additional Features
Lifestyle Rewards
5% Reward Points on grocery, departmental stores, and utility bill payments.
Standard Rewards
2 Reward Points for every ₹100 spent on all other categories, excluding fuel and rent.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹500 |
| Annual / Renewal Fee | ₹500 |
| Fee Waiver Threshold | Spend ₹1,50,000 annually |
| Forex Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Primary cardholder must be between 21 and 65 years of age.
Income
Minimum monthly income requirement of ₹20,000 for salaried individuals and annual income of atleast ₹2,40,000 for self-employed.
Ready to apply for HPCL Super Saver Card?
Annual fee: ₹500 · Waived on ₹1,50,000 spend
Annual fee
₹500
0.5% – 5% yield