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ICICI Bank HPCL Super Saver Credit Card VS ICICI Bank HPCL Platinum 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 ICICI Bank HPCL Platinum 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. ICICI Bank HPCL Platinum Credit Card costs ₹199 + GST and earns 2.5% cashback on HPCL fuel (max Rs. 100/month); 2 Reward Points per Rs. 100 on retail spends. ICICI Bank HPCL Super Saver Credit Card also brings 1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder), while ICICI Bank HPCL Platinum Credit Card counters with 2 spa sessions at selected Indian airports annually through Dreamfolks membership. 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
ICICI Bank HPCL Platinum Credit Card
ICICI Bank HPCL Platinum Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹199 + GST
Renewal Fee₹500 + GST
Renewal Fee₹199 + GST
Spend Based WaiverAnnual fee waived if Rs. 1.5 lakh or more is spent in the preceding year.
Spend Based WaiverAnnual renewal fee waived if you spend Rs. 50,000 or more in the preceding year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.50% on all foreign currency spends.
Interest Rate (APR)3.75% per month (equivalent to 45% per year) on outstanding balances.
Interest Rate (APR)3.40% per month (equivalent to 40.8% 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 Bonus
Rewards RateUp to 5% savings on HPCL fuel; 5% cashback as RPs on utilities/groceries; 2 RPs per Rs. 100 on others.
Rewards RateEarn 2 Reward Points for every Rs. 100 spent on all retail purchases, excluding fuel.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeRs. 99 + GST is charged for every reward redemption request.
Reward Redemption FeeRs. 99 on every redemption request.

Travel & Lifestyle

Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on Rs. 75,000 spend in previous quarter.
Domestic Lounge Access
International Lounge Access
International Lounge AccessAccess 2 complimentary airport lounge visits outside India every year.
Travel BenefitsComplimentary domestic lounge access, 24x7 Roadside Assistance Service, concierge service.
Travel BenefitsComplimentary Dreamfolks membership with USD 99 annual fee waived.
Movie Benefits25% discount (max Rs. 100, twice a month) on BookMyShow/Inox, with Rs. 25,000 quarterly spend.
Movie BenefitsGet Rs. 100 off on movie ticket bookings via BookMyShow, twice a month.
Dining BenefitsExclusive discounts at partner restaurants under ICICI Bank Culinary Treats Program.
Dining BenefitsMinimum 15% savings on dining bills through the ICICI Bank Culinary Treats Programme.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations on transactions between Rs. 400 and Rs. 4,000.
Fuel Surcharge Waiver1% fuel surcharge waiver at all HPCL pumps for transactions up to Rs. 4,000.

Security & Other

Insurance BenefitsPersonal Accident Insurance Cover (for RuPay Variant).
Insurance Benefits
Cash Advance Charges2.5% of cash amount withdrawn, subject to a minimum of Rs. 500.
Cash Advance Charges2.5% of the transaction amount or Rs. 300, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank HPCL Platinum 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 ICICI Bank HPCL Platinum Credit Card is designed for individuals who frequently spend on fuel, offering 2.5% cashback on HPCL fuel and a 1% surcharge waiver. It also provides a rewarding points system for retail spending, along with valuable movie and dining discounts. With low fees and complimentary international lounge access, it's a versatile option for everyday savings, despite being discontinued.

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.

Significant savings on fuel with 2.5% cashback and 1% surcharge waiver at HPCL pumps.

Low joining and annual fees, easily waived by spending Rs. 50,000 annually.

Valuable lifestyle benefits including movie discounts and dining savings via Culinary Treats.

Complimentary Dreamfolks membership offers international lounge access and domestic spa sessions.

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.

The card has been discontinued, limiting new applications and future availability.

A redemption fee of Rs. 99 is charged on every reward point redemption request.

Lacks comprehensive insurance benefits, which might be a drawback for some users.

Cashback on fuel is capped at Rs. 100 per month, limiting maximum savings.

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)