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ICICI Bank HPCL Super Saver Credit Card VS BPCL SBI Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both ICICI Bank HPCL Super Saver Credit Card and BPCL SBI Credit Card suit fuel-focused spenders, but they earn and cost differently. ICICI Bank HPCL Super Saver Credit Card costs ₹500 + GST and earns 5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop. BPCL SBI Credit Card costs Rs. 499 + GST and earns 4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others. ICICI Bank HPCL Super Saver Credit Card also brings 1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder), while BPCL SBI Credit Card counters with get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual fee waived if Rs. 1.5 lakh or more is spent in the preceding year.
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.75% per month (equivalent to 45% per year) on outstanding balances.
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus2,000 bonus Reward Points on spending Rs. 5,000 in 45 days & Rs. 100 cashback on HP Pay app.
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards RateUp to 5% savings on HPCL fuel; 5% cashback as RPs on utilities/groceries; 2 RPs per Rs. 100 on others.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeRs. 99 + GST is charged for every reward redemption request.
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on Rs. 75,000 spend in previous quarter.
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel BenefitsComplimentary domestic lounge access, 24x7 Roadside Assistance Service, concierge service.
Travel BenefitsNot Applicable
Movie Benefits25% discount (max Rs. 100, twice a month) on BookMyShow/Inox, with Rs. 25,000 quarterly spend.
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining BenefitsExclusive discounts at partner restaurants under ICICI Bank Culinary Treats Program.
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations on transactions between Rs. 400 and Rs. 4,000.
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance BenefitsPersonal Accident Insurance Cover (for RuPay Variant).
Insurance BenefitsNot Applicable
Cash Advance Charges2.5% of cash amount withdrawn, subject to a minimum of Rs. 500.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

BPCL SBI Credit Card

Who is it for?

The ICICI Bank HPCL Super Saver Credit Card is a co-branded offering designed for individuals who frequently spend on fuel and daily essentials. It provides significant savings of up to 5% on HPCL fuel purchases and accelerated reward points on utility and departmental store spends. Cardholders also enjoy complimentary domestic airport lounge access, movie discounts, and 24x7 Road Assistance Service. With a modest annual fee, this card is ideal for maximizing everyday fuel and household expense savings while enjoying select lifestyle perks.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Pros

Key benefits and features.

Significant savings of up to 5% on HPCL fuel purchases, ideal for frequent commuters.

Accelerated reward points on daily essential spends like utilities and groceries.

Complimentary domestic airport lounge access enhances travel convenience.

Includes valuable 24x7 Road Assistance Service for vehicle owners.

Attractive welcome benefits with bonus points and HP Pay app cashback.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Cons

Key drawbacks and limitations.

High foreign currency markup of 3.5% makes international spends expensive.

A rewards redemption fee of Rs. 99 + GST is charged for every request.

Lounge and movie benefits require substantial quarterly spend thresholds.

The 4% fuel cashback is capped at Rs. 200 per month, limiting maximum savings.

High interest rate of 45% per annum on outstanding balances and cash advances.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for ICICI Bank HPCL Super Saver Credit Card(opens in new tab)Apply for BPCL SBI Credit Card(opens in new tab)