ICICI Bank HPCL Super Saver Credit Card – Benefits, Fees & Eligibility

Introduction

The ICICI Bank HPCL Super Saver Credit Card is a co-branded offering from ICICI Bank and Hindustan Petroleum Corporation Limited (HPCL), specifically designed for individuals who frequently travel and seek significant savings on fuel transactions. This card distinguishes itself by providing cashback and/or reward points across all spending categories, not just fuel. With its exclusive offers on fuel, reward points, and cashback, it aims to make car and bike travels more exciting and economical. Additionally, cardholders can enjoy perks such as airport lounge access, discounts on dining and movies, and the possibility of an annual fee waiver based on spending.

Welcome Benefits

• Receive 2,000 bonus Reward Points upon paying the membership fee within two months of card setup and spending a minimum of ₹5,000 within the first 45 days of card issuance.
• Get ₹100 cashback in the HP Pay app wallet after making the first fuel purchase of ₹1,000 or more using the HP Pay app.

Fees

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST
• Spend-Based Waiver: The annual fee is waived off for the next year if a spend of ₹1.5 lakh or more is achieved in the preceding year.
• Rewards Redemption Fee: ₹99 + GST per redemption request.
• Foreign Currency Markup: 3.5% of the transaction amount.
• Interest Rates: 3.75% per month (45% per year) on ATM withdrawals and if only the minimum due is paid.
• Fuel Surcharge: A 1% fuel surcharge waiver is applicable at all fuel stations across India.
• Cash Advance Charges: 2.5% of the cash amount, subject to a minimum of ₹500.
• Late Payment Charges: Ranging from ₹100 to ₹1300.

Rewards

• Fuel Benefits:
  • Enjoy 5% savings on fuel purchases at HPCL petrol pumps and via the HP Pay app. This includes 4% cashback (capped at ₹200 per month, applicable on fuel purchases up to ₹5,000 per month) and a 1% fuel surcharge waiver.
  • Get an additional 1.5% cashback (in reward points) on all fuel purchases made through the HP Pay app at HPCL outlets.
• Reward Points Earning:
  • Earn 20 Reward Points for every ₹100 spent on daily essential spends such as utility, groceries, and department store purchases. This benefit is capped at 400 Reward Points per payment cycle (equivalent to ₹100 worth of Reward Points) per month.
  • Earn 2 Reward Points for every ₹100 spent on all other retail purchases (domestic and international).
  • Earn 6x to 12x reward points on iShop.
• Movies & Dining:
  • Receive 25% off on movie tickets, up to a maximum of ₹100 per transaction, applicable on BookMyShow and INOX. This offer can be availed twice a month on each platform.
  • Access dining discounts with the ICICI Bank Culinary Treats Programme at partnered restaurants.
• Travel Benefits:
  • Get 1 complimentary domestic airport lounge access per calendar quarter upon spending ₹75,000 or more in the preceding calendar quarter. This benefit is exclusively for the primary cardholder.
  • There are no international lounge access benefits provided with this card.
• Assistance Services:
  • 24x7 Roadside Assistance Service (RAS): This comprehensive service includes 24X7 helpline support, on-site repairs for minor issues (like flat tires or dead batteries), towing to authorised workshops (for major problems such as electrical/mechanical failure, accident, or wrong fuelling), customer conference call, taxi services for up to 50 km, fuel delivery of up to 5 litres (at actual cost if the vehicle is immobilised due to an empty tank), retrieval of spare keys (if locked out of your vehicle or key is lost), custody services for vehicles, and vehicle repatriation for repairs taking more than two days (up to 100 km free, beyond 100 km chargeable). Emergency hotel accommodations or medical services near the breakdown location can also be arranged for outstation travel. Roadside Assistance is activated upon payment of the joining/annual fee, and a confirmation SMS with instructions for availing services is sent to eligible customers.
  • 24x7 Concierge Service: This service is available for the RuPay variant of the card, offering round-the-clock assistance.
• Insurance:
  • Personal Accident Insurance Cover is provided, applicable for the RuPay Variant.
• Golf:
  • No golf benefits are offered with this credit card.

Rewards Redemption Guide

• Reward Points can be redeemed for a variety of expenditure categories, including gifts and cashback.
• The value of 1 Reward Point is ₹0.25.
• Reward Points can be redeemed by contacting ICICI Bank Credit Card customer care.
• A reward redemption fee of ₹99 + GST is charged for every reward redemption request.

Card Eligibility Criteria

• Age: The applicant must be an Indian citizen, between 21 and 65 years of age.
• Income:
  • Salaried individuals require a minimum monthly income of ₹20,000.
  • Self-employed individuals require a minimum annual income of at least ₹2,40,000.
• Credit Score: The applicant should have a decent credit score.

Documents Required

• Identity Proof
• Address Proof
• Income Proof (e.g., salary slips or ITR acknowledgment)
• No physical documents are required if applying via Digilocker.

Card Review

The ICICI Bank HPCL Super Saver Credit Card is considered an excellent entry-level fuel credit card, especially given its annual membership fee of ₹500. It offers a highly competitive reward rate, primarily highlighted by its 5% savings on fuel purchases at HPCL stations (comprising 4% cashback and a 1% fuel surcharge waiver), making it exceptionally beneficial for individuals with frequent fuel expenses. Beyond fuel, the card generously rewards users with ICICI Reward Points on everyday spends like utilities, groceries, and departmental store purchases, as well as on all other retail transactions. A significant perk includes complimentary domestic airport lounge access, provided a specific spend threshold is met in the preceding quarter. Additionally, cardholders enjoy attractive movie ticket discounts and dining benefits through the Culinary Treats Programme. This card is strongly recommended for those who prioritize substantial savings on fuel and seek comprehensive rewards across various other spending categories.

Important Product Details

• Fuel Savings: Up to 5% savings on HPCL fuel purchases (4% cashback capped at ₹200/month + 1% fuel surcharge waiver).
• Additional HP Pay App Benefit: 1.5% extra cashback (in reward points) on fuel purchases made via the HP Pay app at HPCL outlets.
• Accelerated Rewards on Essentials: Earn 20 Reward Points per ₹100 spent on utility, grocery, and departmental store spends (capped at 400 Reward Points or ₹100 worth per month).
• General Spends: Earn 2 Reward Points per ₹100 on all other domestic and international retail transactions.
• iShop Rewards: Earn from 6x to 12x reward points on iShop purchases.
• Movie Discounts: Get 25% off (up to ₹100) on movie tickets on BookMyShow and INOX, applicable twice a month on each platform.
• Dining Privileges: Access discounts through the Culinary Treats Programme.
• Domestic Lounge Access: Enjoy 1 complimentary quarterly domestic airport lounge visit upon spending ₹75,000 in the previous calendar quarter.
• Roadside Assistance: Comprehensive 24x7 Roadside Assistance Service (RAS) for vehicle breakdowns and emergencies.
• Insurance: Personal Accident Insurance Cover provided (for RuPay Variant).
• Concierge Service: 24x7 Concierge service available (for RuPay Variant).
• Joining Fee: ₹500 + GST.
• Annual Fee Waiver: The annual fee is waived on spending ₹1.5 lakh in the preceding year.
• Rewards Redemption Fee: ₹99 + GST per redemption request.
• Foreign Currency Markup: 3.5%.
• Interest Rate: 3.75% per month (45% per year) on outstanding balances and cash advances.
• No International Lounge Access or Golf Benefits are offered with this card.
• Best Suited For: Fuel and Shopping.
• Reward Type: Provides both Reward Points and Cashback benefits.

Other Details

• Customers must pay the joining or annual fee to activate the Roadside Assistance services.
• The Card Verification Value (CVV) is a three-digit security code located next to the signature panel on the back of your ICICI Bank HPCL Super Saver Credit Card. It can also be checked by logging in to the iMobile app or Internet Banking.
• Information regarding the payment due date of your credit card can be found through your monthly statements, the iMobile app, Internet Banking, or by contacting customer care at 1800 1080.
• The application process for this credit card can be completed by visiting the card's page on the ICICI Bank website, filling out an online application form, and submitting required documents. Alternatively, individuals can apply offline by visiting their nearest ICICI Bank branch with necessary documents.
• The status of your credit card application can be tracked via the ICICI Bank application tracking page, by contacting ICICI Bank credit card customer care, or by inquiring at any ICICI Bank branch.
• Detailed information on other charges and applicable terms and conditions is available in the Most Important Terms & Conditions (MITC) and general Terms & Conditions (T&Cs) documents provided by the bank.
• Cashback related to fuel purchases is typically credited in the next statement cycle after the transaction.