# ICICI HPCL Super Saver Credit Card Review: 5% on Fuel, Who It Suits

> ICICI Bank HPCL Super Saver credit card review: 5% savings at HPCL pumps and HP Pay, 20 points per INR 100 on daily essentials, INR 500 fee waived at INR 1.5 lakh, lounge and movie offers.
- **Published**: 2026-10-31
- **Modified**: 2026-10-31
- **Category**: credit-cards
- **URL**: https://www.tldr.money/articles/credit-cards/hpcl-super-saver-icici-credit-card-review

---

Our [best fuel credit cards](/articles/credit-cards/best-fuel-credit-cards-india) guide compares fuel cards across brands. This review looks at the **ICICI Bank HPCL Super Saver credit card**, the main card for people who fill up at Hindustan Petroleum (HPCL) pumps.

**Last updated: 31 October 2026.** Educational, not advice. ICICI caps the monthly fuel savings and defines "daily essentials" in the card's terms; check the Most Important Terms and Conditions before applying.

## ICICI HPCL Super Saver at a glance

| Feature | Detail |
|---|---|
| Joining fee | INR 500 + GST |
| Annual fee | INR 500 + GST; next year waived on spends over INR 1.5 lakh |
| Joining benefit | 2,000 reward points |
| Fuel at HPCL and HP Pay | 5% savings, including the 1% fuel surcharge waiver |
| Daily essentials | 20 reward points per INR 100 |
| Other retail spends | 2 reward points per INR 100 |
| Movies | 25% off up to INR 100 at INOX, twice a month; same on BookMyShow after INR 25,000 of quarterly spend |
| Lounge | 1 domestic visit a quarter after INR 75,000 in the previous quarter |
| Other | 24/7 roadside assistance; personal accident cover and concierge on the RuPay variant |
| Forex markup | 3.5% |
| Interest | 3.75% a month |

ICICI says the surcharge waiver applies to fuel transactions between INR 400 and INR 4,000.

## The maths

Say you buy **INR 5,000 of fuel a month at HPCL** and put **INR 10,000 of daily essentials** and **INR 5,000 of other spends** on the card.

- Fuel: 5% of INR 5,000 = INR 250 a month (if within ICICI's monthly cap)
- Daily essentials: INR 10,000 x 20/100 = 2,000 points a month
- Other spends: INR 5,000 x 2/100 = 100 points a month

ICICI's card page doesn't put a rupee value on these points; they are redeemed from a catalogue of products and vouchers. If a point is worth INR 0.25, as on several other ICICI cards, 20 points per INR 100 is 5% back on daily essentials. Your annual spend in this example is INR 2.4 lakh, so the next year's fee is waived.

Third-party reviews report that the fuel savings are capped each month, so a heavy driver may not get 5% on every litre. Read the cap in the terms before relying on the full rate.

## Who should get it

- **People who drive past an HPCL pump every week.**
- **People who want a cheap card** with an easy INR 1.5 lakh fee waiver.
- **People who already use HP Pay.**

## Who should skip it

- **Drivers who fill up at IndianOil or BPCL.** See the [IndianOil co-branded cards](/articles/credit-cards/indianoil-axis-vs-rbl-xtra-credit-card) or the [BPCL SBI Card](/articles/credit-cards/bpcl-sbi-card-review).
- **Anyone who carries a balance.** At 3.75% a month interest, no fuel discount helps. See [the minimum-due trap](/articles/credit-cards/credit-card-fees-and-minimum-due-trap).

## Sources

- ICICI Bank, HPCL Super Saver Credit Card: https://www.icici.bank.in/personal-banking/cards/credit-card/hpcl-super-saver
- ICICI Bank, launch of the ICICI Bank HPCL Super Saver co-branded credit card: https://www.icici.bank.in/about-us/news-room/2021/news-icici-bank-and-hpcl-launch-icici-bank-hpcl-super-saver-cobranded-credit-card
- CardAdvisor, ICICI HPCL Super Saver credit card review 2026: https://cardadvisor.in/articles/icici-hpcl-super-saver-credit-card-review-2026
- Example figures: tldr.money calculation
---
- [More credit-cards articles](https://www.tldr.money/articles/category/credit-cards)
- [All articles](https://www.tldr.money/articles)