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

Introduction

The ICICI Bank HPCL Super Saver Credit Card is a co-branded offering launched by ICICI Bank in collaboration with Hindustan Petroleum Corporation Limited (HPCL). Positioned as an entry to mid-range card with an annual fee of Rs. 500 + GST, it is best suited for individuals who frequently spend on fuel and daily essentials. Its top differentiating benefits include up to 5% savings on fuel purchases at HPCL pumps, accelerated reward points on utility and departmental store spends, and complimentary domestic airport lounge access.

Welcome Benefits

• Bonus Reward Points: Get 2,000 bonus Reward Points on paying the membership fee within two months of card setup and spending at least Rs. 5,000 within the first 45 days of card issuance.
• HP Pay App Cashback: Receive Rs. 100 cashback on the HP Pay app wallet after the first fuel purchase of Rs. 1,000 or more made using the app.

Fees

• Joining Fee

  • Rs. 500 + GST

• Annual Fee

  • Rs. 500 + GST

• Spend-Based Waiver

  • The annual fee is waived if Rs. 1.5 lakh or more is spent in the preceding year.

• Rewards Redemption Fee

  • Rs. 99 + GST is charged for every reward redemption request.

• Foreign Currency Markup

  • 3.5% of the transaction amount.

• Interest Rates

  • 3.75% per month (equivalent to 45% per year) on outstanding balances or ATM withdrawals.

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India, applicable on transactions between Rs. 400 and Rs. 4,000.

• Cash Advance Charges

  • 2.5% of the cash amount withdrawn, subject to a minimum of Rs. 500.

• Late Payment Charges

  • Ranging from Rs. 100 to Rs. 1300.

Rewards

• Fuel Benefits

  • HPCL Fuel Purchases: Get a total benefit of 5% on fuel purchases at HPCL stations, comprising 4% cashback and a 1% fuel surcharge waiver.
  • Cashback Cap: The 4% cashback on HPCL fuel is capped at Rs. 200 per month (on fuel purchases up to Rs. 5,000).
  • HP Pay App Additional Cashback: Earn an additional 1.5% cashback (Happy Coins) on all fuel purchases through the HP Pay app at HPCL outlets.

• Daily Essential Spends

  • Utilities, Groceries, Departmental Stores: Earn 5% cashback as ICICI Reward Points (20 Reward Points per Rs. 100 spent).
  • Cashback Cap: Maximum Reward Points benefit is capped at 400 Reward Points per payment cycle (equivalent to Rs. 100 cashback) in these categories.

• Other Spends

  • All Other Domestic and International Transactions: Earn 2 Reward Points per Rs. 100 spent.

• Movie & Dining Benefits

  • Movie Tickets: Get a 25% discount (maximum Rs. 100 per transaction) on movie tickets booked on BookMyShow and Inox movies, up to twice a month.
  • Movie Offer Eligibility: To avail the movie offer, a minimum spend of Rs. 25,000 is required in the preceding calendar quarter.
  • Dining Discounts: Enjoy exclusive discounts at partner restaurants under the ICICI Bank Culinary Treats Program.

• Travel Benefits

  • Domestic Lounge Access: Receive 1 complimentary domestic airport lounge access every quarter at major airports across India.
  • Lounge Access Eligibility: To avail complimentary domestic lounge access, a minimum spend of Rs. 75,000 is required in the previous quarter. This benefit is exclusively applicable to the primary cardholder.

• Roadside Assistance Service (RAS)

  • Receive complimentary 24x7 Road Assistance Service, which includes:
    • Over-the-phone assistance.
    • On-site vehicle repair for minor issues (e.g., flat tires, dead batteries).
    • Towing to authorized workshops for major problems (electrical/mechanical failure, accident, wrong fuelling).
    • Replacement/retrieval of locked or lost keys from residence.
    • Fuel delivery of up to 5 litres (cost as per actuals).
    • Customer conference call.
    • Taxi services for up to 50 km.
    • Custody services for vehicles.
    • Vehicle repatriation to hometown for up to 100 km free of cost if repairs exceed two days (chargeable beyond 100 km).
    • Emergency hotel accommodations or medical services near breakdown location if vehicle is immobilized outstation.
    • Replacement or courtesy car of a higher category or best available vehicle at prevailing market rates if vehicle is immobilized and local mobility is needed.

• Concierge Service

  • Receive 24x7 concierge service (available for RuPay Variant).

• Insurance Benefits

  • Personal Accident Insurance Cover (available for RuPay Variant).

Rewards Redemption Guide

• Reward Point Value: 1 Reward Point = Re. 0.25.
• Redemption Options: Reward Points can be redeemed for a variety of expenditure categories, including gifts and cashback.
• Redemption Process: Reward Points can be redeemed by contacting the ICICI Bank Credit Card customer care.
• Redemption Fee: A reward redemption fee of Rs. 99 + GST is chargeable for every reward redemption request.

Card Eligibility Criteria

• Age: The applicant’s age should be between 21 and 65 years.
• Income:
  • Salaried individuals: A monthly income of at least Rs. 20,000.
  • Self-employed individuals: An annual income of at least Rs. 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)

Card Review

The ICICI Bank HPCL Super Saver Credit Card is an entry-level co-branded card that offers significant value, especially for individuals who frequently spend on fuel and daily essentials. With a modest annual fee of Rs. 500, it provides a competitive 5% savings on HPCL fuel purchases, along with accelerated rewards on utility and departmental store spends. Beyond fuel, it extends benefits to lifestyle categories such as complimentary domestic lounge access (with spend criteria), movie discounts, and dining offers. The inclusion of 24x7 Road Assistance Service adds practical value for vehicle owners. This card is highly recommended for those looking to maximize savings on their everyday fuel and household expenses while also enjoying select lifestyle perks.

Important Product Details

• Welcome benefit of 2,000 Reward Points and Rs. 100 cashback on HP Pay app.
• Up to 5% savings on fuel purchases at HPCL stations (4% cashback + 1% fuel surcharge waiver).
• Additional 1.5% cashback (Happy Coins) on fuel purchases via HP Pay app at HPCL outlets.
• 5% cashback as Reward Points on utilities, groceries, and departmental store purchases.
• 2 Reward Points per Rs. 100 spent on all other domestic and international transactions.
• Complimentary 24x7 Road Assistance Service (RAS).
• Complimentary domestic airport lounge access (1 per quarter on Rs. 75,000 spend).
• 25% off on movie tickets on BookMyShow and Inox movies (max Rs. 100 per transaction, twice a month, with Rs. 25,000 quarterly spend eligibility).
• Discounts at partnered restaurants with the ICICI Bank’s exclusive Culinary Treats Program.
• Annual fee waiver on spending Rs. 1.5 lakh each year.
• Foreign currency markup of 3.5%.
• High interest rate of 3.75% per month (45% per year).
• Rewards redemption fee of Rs. 99 + GST.

Other Details

• Application Process:
  • Online: Apply by visiting the card’s page on ICICI’s website, filling out the online application form, and submitting required digital documents.
  • Offline: Apply by visiting the nearest ICICI Bank branch and filling out the offline application form with all required documents.
• Application Status:
  • Check status via the ICICI Bank application tracking page online.
  • Contact ICICI Bank credit card customer care.
  • Visit the nearest ICICI Bank branch.
• Most Important Terms & Conditions (MITC): Refer to the bank's official MITC document for other charges and detailed terms.
• Add-on/Plus Cards: Add-on/Plus card members need to individually spend Rs. 25,000 in the preceding spends quarter to be eligible for the movie offer in the subsequent calendar quarter.
• CVV: The three-digit security code next to the signature panel on the back of the card, also viewable via iMobile app or Internet Banking.
• Payment Due Date: Can be found through monthly statements, iMobile app, Internet Banking, or by calling 1800 1080.