ICICI Bank
ICICI HPCL Super Saver Credit Card
Annual Fee
₹590₹500 + GSTBase Reward
4% reward points
Foreign Markup
3.5%
Welcome Benefits
2,000 bonus Reward Points on paying the membership fee within 2 months and spending at least ₹5,000 within the first 45 days of card issuance; ₹100 cashback on HP Pay app on the first fuel purchase of ₹1,000 or more.
Product Highlights
- 4% cashback on fuel purchases at HPCL stations
- 5% cashback on utilities and departmental store purchases
- Complimentary domestic lounge access
Category Rewards
Specialty
Accelerated on departmental stores / electricity / mobile
1X
utilities
Accelerated on departmental stores / electricity / mobile
1X
Fee Waiver
Waived on ₹1.5L annual spend
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
HPCL
5% savings on HPCL fuel (cashback + surcharge waiver)(Cap ₹200/cycle)
HP_Pay
5% savings on HPCL fuel (cashback + surcharge waiver)(Cap ₹200/cycle)
Reward Calculator
Earns ₹460/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
4.2K
ICICI Reward Points
₹1.1K
via standard · ₹0.25/pt
Effective rate
0.55%
Annual fee
₹590
Year 1 net
+₹460
Year 2+ net
+₹460
ongoing
Adjust your spend by reward bucket
3 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
5% savings on HPCL fuel (cashback + surcharge waiver)
Headline: 5.00% effective
₹200/cycle ÷ 5.00% = ₹4,000 eligible spend/cycle
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
4% cashback on fuel spends at HPCL pumps, 5% cashback as Reward Points on departmental store spends & utility purchases, 2 Reward points per ₹100 spent for all other domestic and international transactions.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 1 Complimentary Lounge Access Every Quarter (Min ₹75,000 quarterly spend required) Complimentary domestic airport lounge access.
Pros & Cons
Pros
- 5% savings on fuel purchases
- 2,000 bonus Reward Points on joining
- 25% discount on movie tickets
Cons
- No international lounge access
- Annual fee applies after the first year unless waived
Additional Info
Annual fee waived on ₹1.5L spend
Cashback credited in the next statement cycle
Maximum cashback of ₹200 per month on fuel purchases.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Waived on ₹1.5L annual spend