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ICICI HPCL Super Saver Credit Card Review
- Up to 5% savings on HPCL fuel (4% cashback + 1% surcharge waiver)
- 4% cashback capped at ₹200/month (= ₹5,000 fuel spend/month earning full)
- Additional 1.5% cashback (Happy Coins) via HP Pay app at HPCL outlets
- 5% cashback on utilities, groceries, and departmental stores (20 RP per ₹100, capped 400 RP/month)
- 1 complimentary domestic lounge visit per quarter
- 25% discount on BookMyShow and INOX movie bookings
- Fee waived at just ₹1.5L annual spend
- Feb 2026: New caps and charges introduced — verify at application
- Fuel cashback capped ₹200/month (effective ₹5K fuel/month ceiling)
- Grocery/utility 5× capped 400 RP/month (₹2,000 earning cap = ₹20K spend ceiling)
- No international lounge access
- 3.5% forex markup
- 1 lounge/quarter requires typical spend-gating — check current T&C
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹500 + GST |
| Renewal fee | ₹500 + GST — waived on ₹1.5L annual spend |
| Finance charge | 3.5% p.m. |
| Cash advance | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Wallet load fee (2026) | 1% on loads ₹5,000+ (ICICI general change) |
| Late payment | Up to ₹1,300 |
Eligibility & documents
Age
21-65 years
Minimum income
₹2.5 lakh per annum (~₹21K/month)
Employment
Salaried or self-employed; Indian resident
Recommended CIBIL
720+
Typical credit limit
₹25,000 – ₹1.5 lakh at issuance
Documents
PAN, Aadhaar, salary slip + bank statement OR ITR, address proof
Rewards structure
Fuel benefits (up to 5% savings on HPCL):
- 4% cashback on HPCL fuel transactions (capped ₹200/month) — works at any HPCL pump using any POS machine OR via HP Pay app
- 1% fuel surcharge waiver stacks on top
- Additional 1.5% cashback (Happy Coins) via HP Pay app at HPCL outlets
- Combined max: ~5-6.5% savings on HPCL fuel
Grocery / utility / dept store: 20 ICICI Bank Reward Points per ₹100 (5% headline at 1 RP = ₹0.25 = 1.25% effective, or 5% if redeemed as Happy Coins). Capped at 400 RP per month (= ₹2,000 of 5× earning on ₹20K spend).
Other retail: Base earn typically 2 RP per ₹100 (0.5% effective).
Redemption: 1 RP = ₹0.25 statement credit or catalogue. Happy Coins (HP Pay) = ₹1 per coin used as HPCL fuel payment.
Welcome benefits & milestones
Welcome benefit: Typically ₹100 HP Pay cashback on first HPCL fuel transaction within 30 days (check current ICICI promo for exact welcome structure).
Fee waiver: Spend ₹1.5 lakh in anniversary year → next year’s ₹500 fee waived.
No milestone spend bonuses beyond the core category cashbacks.
Key benefits
- Up to 5% HPCL fuel savings (4% cashback + 1% surcharge waiver)
- + 1.5% Happy Coins via HP Pay app
- 5% on utilities/groceries/dept stores (capped)
- 1 domestic lounge visit per calendar quarter
- 25% discount on BookMyShow and INOX (cap and use-per-month per current T&C)
- Culinary Treats: 15% off at 2,500+ restaurants
- Free add-on cards
Usage terms & fine print
Lounge access
1 complimentary domestic lounge visit per calendar quarter — check current spend-gating condition in 2026 T&C.
Fuel surcharge waiver
1% fuel surcharge waiver on ₹400-₹4,000 HPCL transactions. Stacks with the 4% HPCL cashback.
Interest-free period
Interest-free credit up to 45 days. Minimum payment 5% or ₹200.
EMI conversion
EMI on transactions ₹3,000+. Tenures 3-24 months. Interest 0.99-1.5% p.m.
Digital wallets & UPI
Apple Pay, Google Pay, Samsung Pay supported. Visa, Mastercard, or RuPay variants available. RuPay supports UPI linking.
Insurance cover
Lost card liability, basic purchase protection
Compared with alternatives
SBI BPCL Octane (₹1.5K) (comparison coming soon)
BPCL loyalist alternative. 25× RP on BPCL fuel. Higher fee.
IDFC First Power+ (₹499) (comparison coming soon)
Similar fee, HPCL focus. 6.5% on HPCL + other categories. Direct competitor.
IndianOil Axis Bank Premium (₹500) (comparison coming soon)
IOCL alternative. Pick based on which pump you use.
ICICI HPCL Coral (₹199) →
Cheaper ICICI+HPCL entry option. 4% HPCL fuel + 1% retail. Lower fee, narrower benefits.
Who the ICICI HPCL Super Saver is for
HPCL fuel loyalists with ₹3-5K/month fuel spend who also buy groceries/pay utilities on the card. At ₹5K/month HPCL + ₹20K/month grocery-utility-dept store = max ₹200 fuel cashback + ₹400 RP × 12 = ₹7,200/year. Fee is waivable at ₹1.5L spend. Strong value for HPCL-loyal middle-class households.
Not the right card if: BPCL or IOCL fuels (different co-brand cards apply) OR if your fuel spend is below ₹2K/month (low utilisation). Also not ideal for heavy wallet users post-2026 (1% wallet load fee ₹5K+).
How to apply & how to cancel
Apply: Apply via icicibank.com → Cards → HPCL Super Saver or through HP Pay app (co-branded flow). Instant eligibility. Approval 3-5 days.
Cancel: Call ICICI helpline (1860 120 7777). Clear dues; redeem RP and Happy Coins before closure.
Final verdict
ICICI HPCL Super Saver is a strong fuel-focused co-brand card for HPCL customers at ₹500 fee. The 5-6.5% effective savings on HPCL fuel + 5× on groceries/utilities make Year 1 return 3-5× the fee for typical users. The Feb 2026 caps reduce optimisation but don’t break the core proposition. Solid pick if HPCL is your regular pump.
Frequently asked questions
How does 5% HPCL savings break down?
4% cashback + 1% fuel surcharge waiver = 5% on HPCL pump transactions. Additional 1.5% Happy Coins via HP Pay app. Combined: up to ~6.5% effective savings at HPCL pumps when using HP Pay.
What’s the monthly cap on 4% cashback?
₹200/month — equivalent to ₹5,000 HPCL fuel spend earning full 4%. Beyond that, fuel still gets 1% surcharge waiver + 1.5% Happy Coins but not the 4%.
How do Happy Coins differ from reward points?
Happy Coins are HPCL’s own loyalty currency. 1 Happy Coin = ₹1 used as HPCL fuel payment. Earned via HP Pay app at HPCL outlets. Separate from ICICI reward points.
Does the 5% on groceries apply to BigBasket?
Grocery categorisation is based on merchant MCC. Most supermarket chains and large grocery platforms qualify. Confirm merchant-by-merchant via recent statement.
What changed on 1 Feb 2026?
ICICI introduced new caps and transaction fees on HPCL Super Saver. Core benefits retained but with limits. Verify current T&C at application — specific cap values have been revised.
Does the Platinum/Coral ₹10,000 transport cap apply to Super Saver?
HPCL Super Saver targets fuel specifically. The ICICI 2026 premium-card transport cap (₹10K for Platinum/Coral, ₹20K for Sapphiro etc.) applies to ride-hailing/tolls, not HPCL fuel. Confirm at application.
Can I get Super Saver on RuPay for UPI?
Yes — RuPay variant exists. UPI-linkable.
How is this different from HPCL Coral?
HPCL Coral (₹199) is entry-level — 4% HPCL cashback with ₹200 welcome, no lounge. HPCL Super Saver (₹500) adds grocery/utility 5×, lounge, Culinary Treats. Super Saver is better for moderate spenders.
Data current as of April 2026. Credit card fees, rewards and benefits are revised periodically by issuers. Always confirm current terms with the issuer before applying.
Eligibility (per ICICI Bank issuer page, Apr 2026)
- Indian citizen, age 21+
- Salaried: stable monthly income typically ₹25,000+
- Self-employed: ITR > ₹3,00,000
- CIBIL 700+ recommended; ICICI banking customers preferred