ICICI Bank HPCL Super Saver Credit Card: Fees, Fuel Cashback & Real Value
The ICICI Bank HPCL Super Saver Credit Card is a co-branded fuel card with HPCL (Hindustan Petroleum) that delivers up to 6.5% effective savings on fuel purchases when stacked correctly. For users who refuel at HPCL pumps, it’s one of the most rewarding fuel cards in India. Here’s the 2026 breakdown.
Key Fees and Charges
| Fee Type | Amount | Details / Waiver Conditions |
|---|---|---|
| Joining Fee | ₹500 + GST | One-time. Effective ~₹590. |
| Annual Fee | ₹500 + GST | Charged yearly. |
| Annual Fee Waiver | Spend ₹1,50,000 in the previous anniversary year | Fee is reversed for the next year. |
Fuel Cashback Structure (The Core Value)
| Benefit | Rate | Cap / Notes |
|---|---|---|
| Base cashback at HPCL pumps | 4% | Capped at ₹200/month |
| Fuel surcharge waiver | 1% | Stacks on top of the 4% cashback |
| Additional via HP Pay app at HPCL | 1.5% (in reward points) | When paying via HP Pay app |
| Total effective savings on HPCL fuel | Up to 6.5% | When all three stack |
Non-Fuel Rewards
- 5% back on spends at: Utilities, Grocery, and Departmental Stores — delivered as accelerated reward points
- 20 Reward Points per ₹100 on utility/grocery/department store spends (equivalent to the 5%)
- 2 Reward Points per ₹100 on all other retail purchases (~0.5% base)
Redemption
Reward Points redeem at approximately ₹0.25 per point on standard redemptions; up to ₹1 per point via iShop for flights/hotels at premium redemption. Cashback is credited automatically to the card statement.
Real-World Value Example
| User Profile | Monthly Spend Pattern | Annual Savings |
|---|---|---|
| Heavy Driver (HPCL loyalist) | ₹5,000 HPCL fuel + ₹10,000 utilities/grocery | ₹2,400 fuel (max cap) + ₹6,000 5%-categories = ~₹8,400/year |
| Moderate User | ₹3,000 HPCL + ₹6,000 utilities/grocery | ₹1,800 + ₹3,600 = ~₹5,400/year |
| Light User | ₹1,000 HPCL + ₹3,000 other | ₹650 + ₹1,800 = ~₹2,450/year |
Note the ₹200/month fuel cashback cap — equivalent to ₹5,000/month fuel spend. Heavier drivers don’t earn additional cashback beyond this cap but do still get the 1% surcharge waiver and 1.5% HP Pay bonus.
Who Should Get It
- HPCL loyalists who refuel at HPCL pumps routinely
- Households with meaningful utility bills, grocery, and department store spends (the 5% category is broad)
- Families who want one card to cover fuel + household essentials
- ICICI customers looking for a practical everyday card
When to look elsewhere
- You refuel at IndianOil or BPCL — choose the IOCL HDFC or BPCL SBI Octane respectively
- You spend heavily on fuel (₹10,000+/month) — the ₹200/month cap reduces effective percentage
- You want broader lifestyle benefits like lounges or travel rewards
ICICI HPCL Super Saver vs IndianOil HDFC vs BPCL SBI Octane
The three main Indian fuel cards:
- ICICI HPCL Super Saver: 4%+1%+1.5% on HPCL, plus 5% on utilities/grocery
- IndianOil HDFC: Up to 5% via IOCL XTRAREWARDS path, plus 5% on groceries/bills
- BPCL SBI Octane: Up to 7.25% on BPCL fuel (strong for BPCL users)
Pick based on the fuel station closest to you — all three are excellent, but the rewards only apply at the partner brand.
How to Apply
Apply on the ICICI HPCL Super Saver page. Eligibility: salaried ₹25,000+/month or self-employed with ITR ₹3 lakh+, CIBIL 700+. Easier approval for existing ICICI customers.
Final Verdict
The ICICI HPCL Super Saver is an excellent fuel card for HPCL loyalists, with stackable benefits creating up to 6.5% effective savings on fuel plus 5% on utilities/grocery/departmental stores. For a ₹590 effective fee, the card can easily return 8-10x in annual savings for an active user. The main constraint is the ₹200/month fuel cashback cap — heavy drivers will hit this limit quickly.
See also: IndianOil HDFC review and how to choose the right credit card.
Last updated: April 2026. Verify current terms on the ICICI HPCL Super Saver page before applying.