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ICICI HPCL Super Saver RuPay Credit Card

ICICI HPCL Super Saver RuPay Credit Card

A co-branded fuel card with savings on everyday essentials

Fuel

Fuel

Up to 5% on HPCL fuel purchase

Cashback

Cashback

5% on utilities & departmental store

Entertainment

Entertainment

25% off on BookMyShow & INOX

Check Your Eligibility for This Card

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Key Highlights

Important benefits and features of this credit card
BenefitDetails
Fuel SavingsSave up to 5% on HPCL fuel purchases, with additional 1.5% back on HP Pay app transactions.
Everyday CashbackEarn 5% cashback on utility bills and departmental store spends, capped at ₹100 per month.
Welcome BenefitsReceive 2,000 reward points on card activation.
Lounge AccessGet 1 complimentary domestic airport lounge visit per quarter on spending ₹75,000 in the previous quarter.
Roadside AssistanceAccess 24×7 complimentary roadside assistance services for vehicle towing, roadside repairs, flue delivery, and emergency support.

Categorisation

Card classification and attributes
AttributeClassification
Issuer / ProviderICICI Bank
Bank / Non-bankBank-affiliated
CategoryFuel cashback via HP Pay, rewards on utility, surcharge waiver
Type of CardRuPay
Free or Paid₹500 +Taxes Annually

What This Card Is Best For

The ICICI HPCL Super Saver RuPay Credit Card is a co-branded offering designed in partnership with Hindustan Petroleum Corporation Limited (HPCL). This card caters to individuals who frequently purchase fuel and wish to earn savings on their HPCL transactions whilst also benefiting cashback on everyday expenses like utility bills and groceries. The RuPay variant enables UPI integration, allowing cardholders to link the card to UPI applications for convenient digital payments. With its low annual fee and practical benefits across multiple spending categories, this card appeals to entry-level users seeking value on routine expenditures. 

Overview 

  • Welcome Benefit: Earn reward points on card activation / payment of joining fee as a welcome benefit. 

  • HP Pay App Integration: Download the HP Pay app to load wallet balance and earn enhanced cashback on fuel purchases at HPCL outlets, combining convenience with savings. 

  • Roadside Assistance: Access 24×7 roadside assistance services including on-site vehicle repair, towing, fuel delivery, and emergency accommodation arrangements. 

  • Fuel-Surcharge Waiver: 1% waiver on the fuel surcharge for HPCL fuel spends (up to a defined limit). 

  • Complimentary Lounge Access: Get domestic airport lounge access (one lounge per quarter) if you meet the required spend threshold. 

Rewards and Benefits 

Earning Cashback and Reward Points 

  • Fuel Purchases at HPCL: Save up to 5% on fuel purchases at HPCL outlets.(Additional 1.5% back as reward points on HP Pay app transactions at HPCL outlets) 

  • Utilities and Departmental Stores: Earn 5% cashback in the form of 20 ICICI Bank reward points for every ₹100 spent on: 

  • Mobile bill payments 

  • Electricity bill payments 

  • Departmental store purchases 

  • Grocery purchases 

  • Retail Purchases: Earn 2 ICICI Bank reward points for every ₹100 spent on all other retail purchases (excluding fuel transactions). 

Welcome Benefits 

  • Joining Bonus: Receive 2,000 ICICI Bank reward points as a welcome benefit upon card activation and payment of the joining fee. 

Movie Benefits 

  • BookMyShow: Enjoy up to 25% discount on movie tickets, capped at ₹100 per transaction, when purchasing a minimum of 2 tickets. Valid twice per month. 

  • INOX: Get up to 25% discount on movie tickets, capped at ₹100 per transaction, when booking a minimum of 2 tickets. Valid twice per month. 

Complimentary Lounge Access 

  • Domestic Airport Lounge: Access 1 complimentary domestic airport lounge visit per calendar quarter. 

  • Spend Requirement: To qualify for lounge access in the next quarter, cardholders must spend at least ₹75,000 in the current calendar quarter. 

Roadside Assistance 

  • 24×7 Support: Access round-the-clock roadside assistance services, including: 

  • On-site vehicle repair for flat tyres, dead batteries, and minor fuse issues 

  • Towing services to the nearest service station 

  • Fuel delivery in case of empty tank 

  • Locked or lost key replacement assistance 

  • Emergency taxi services and accommodation arrangements 

  • Vehicle repatriation and replacement/courtesy car services 

Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.   

Fees & Charges of ICICI HPCL Super Saver RuPay Credit Card

All applicable fees for this credit card
Fee TypeAmountDetails
Joining Fee₹500 + GSTOne-time charge when the card is issued.
Annual Fee₹500 + GSTCharged every year. Waived on annual spends of ₹1,50,000 or more.
Finance Charges3.75% per month (45% per annum)Interest charged on unpaid balances after the due date.
Late Payment ChargesVariableLess than ₹100: Nil; ₹101–₹500: ₹100; ₹501–₹1000: ₹500; ₹1001–₹5,000: ₹600; ₹5,001–₹10,000: ₹750; ₹10,001–₹25,000: ₹900; ₹25,001–₹50,000: ₹1,100; Above ₹50,000: ₹1,300

Eligibility Criteria for ICICI HPCL Super Saver RuPay Credit Card

Requirements to apply for this card
CriteriaDetails
Age
Minimum 21 years
Maximum Age
Up to 65 years
Occupation
Salaried / Self-Employed
Nationality
Indian national
Credit Score
750 or above recommended for approval
Other Criteria
Stable source of income, valid PAN card, valid address proof

Required Documents

Documents needed for application
Document TypeDetails
Identity ProofPAN Card, Aadhaar Card, Passport, Voter's ID, Driver's Licence, or any government-issued photo ID
Address ProofAadhaar Card, utility bills (not older than 3 months), bank statements, rental agreement, or any valid government-issued address proof
Income ProofLast three months' salary slips and bank statements for salaried individuals; latest Income Tax Return (ITR) for self-employed applicants

How To Apply for ICICI HPCL Super Saver RuPay Credit Card

Follow these simple steps to apply for this card
1

Click on Apply Now: Hit the 'Apply Now' button to start your application.

2

Fill in Your Detail: Enter your personal, contact, and financial details in the application form.

3

Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.

4

Submit Your Application: Review all the details and click Submit.

5

Approval & Card Delivery: Once approved, your ICICI HPCL Super Saver RuPay Credit Card will be delivered to your registered address.

How To Use the ICICI HPCL Super Saver RuPay Credit Card

Tips to maximize your card benefits
Usage TipsDetails
Use at HPCL Outlets Only
Ensure fuel purchases are made exclusively at HPCL outlets to qualify for the 5% savings, as cashback is not applicable at other fuel stations.
Maximise Utility Savings
Use the card for monthly utility bill payments (mobile, electricity) and departmental store purchases to earn 5% cashback, up to the monthly cap of ₹100.
Meet Lounge Spend Target
Plan quarterly spending to reach ₹75,000 to unlock complimentary airport lounge access in the following quarter.
Track Spending Caps
Monitor monthly cashback limits (₹200 for fuel, ₹100 for utilities/departmental stores) to avoid exceeding caps where additional spends won't earn rewards.
Book Movie Tickets Wisely
Use the BookMyShow and INOX discounts twice monthly on each platform to maximise entertainment savings of up to ₹400 per month.

Things To Know

Important information about this card
  • Understand that fuel cashback is capped at ₹200 per month, meaning the 4% benefit applies only to fuel purchases up to ₹5,000 monthly at HPCL outlets.
  • Be aware that the annual fee waiver threshold of ₹1,50,000 is higher compared to other entry-level cards, requiring consistent spending throughout the year.
  • Note that cashback on utilities and departmental stores is capped at ₹100 per month (400 reward points), limiting the benefit for high spenders in these categories.
  • Airport lounge access requires spending ₹75,000 in the previous quarter, making it a conditional benefit rather than automatic access.
  • The card earns rewards exclusively on HPCL fuel purchases; transactions at other fuel stations like Bharat Petroleum or Indian Oil do not qualify for fuel cashback.
  • RuPay network has limited international acceptance compared to Visa or Mastercard, which may impact overseas travel utility.

The ICICI HPCL Super Saver RuPay Credit Card is designed for users who want to maximize their credit card benefits effectively.

Do's

  • Use the card exclusively at HPCL outlets to earn the 5% fuel savings benefit
  • Link the card to the HP Pay app and load wallet balance for enhanced 1.5% reward points
  • Pay utility bills through the card to earn 5% cashback, up to the ₹100 monthly limit
  • Book movie tickets through BookMyShow and INOX twice monthly to maximise entertainment discounts
  • Spend strategically to reach ₹1,50,000 annually and get the annual fee waived
  • Track quarterly spending to ensure ₹75,000 threshold is met for lounge access

Don't

  • Avoid using the card at non-HPCL fuel stations as cashback won't apply
  • Do not exceed monthly fuel spending of ₹5,000 at HPCL, as the ₹200 cashback cap limits further rewards
  • Ignore monthly spending caps on utilities and departmental stores (₹100 limit)
  • Rely on this card for international travel due to limited RuPay acceptance abroad
  • Make cash withdrawals as they attract 2.50% fees and immediate interest charges
  • Share card details, CVV, or OTP with anyone claiming to represent the bank

Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.

FAQs on ICICI HPCL Super Saver RuPay Credit Card

Common questions about this credit card