ICICI Bank HPCL Super Saver Credit Card
ICICI Bank · Open to apply
ICICI's fuel card with HPCL: 4% cashback on HPCL fuel (up to ₹200 a month) plus the 1% surcharge waiver, and 20 points per ₹100 on grocery, utility and department store spends up to 400 points a statement. The ₹500 fee is waived at ₹1.5 lakh of yearly spend.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Fee waiver
- Annual fee waived on ₹1,50,000 spend per card year
- Base rate
- Other retail spends, 2 points per ₹100: 2 ICICI Bank Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹75,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Groceries, utilities, telecom, government and department stores, 20 points per ₹100, up to 400 points a statement: 20 ICICI Bank Reward Points per ₹100 (about 5% at cash value)
- 4% cashback on fuel at HPCL outlets: 4% in Fuel cashback (about 4% at cash value)
- Happy Coins on HPCL fuel paid through the HP Pay app, 6 per ₹100 (1.5%): 6 HP Pay Happy Coins per ₹100 on top of the base rate (about 1.5% at cash value)
Earns nothing on
- No points on cash, rent, fuel, e-wallet loads or EMI
Where the sources disagree
- Cap on accelerated points: The product page FAQ says the 20-points-per-₹100 rate is capped at 400 points per month; the T&C (IV c) says 400 points per statement cycle. We use the T&C.
Terms the calculator does not value
- ICICI publishes no rupee value per reward point. The calculator uses the third-party ₹0.25, so the points-based numbers on this card move with it.
- The MITC's cap on insurance points (₹40,000 a statement) names this card, but the T&C and page do not give an insurance rate; the retail 2 points per ₹100 is assumed.
- Whether UPI spends on the RuPay variant earn points is not stated.
- The MITC limits the fuel surcharge waiver on select cards to spends of ₹50,000 a statement cycle; the card's T&C states no such limit and it is not modelled.
- IRCTC railway spends earn the base 2 points per ₹100 with no cap: the MITC's transportation cap names other cards.
Sources
- ICICI Bank HPCL Super Saver Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- General MITC for ICICI Bank credit cards (last updated 2026-11-06) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Terms and Conditions for ICICI Bank HPCL Super Saver Credit Card (last updated 2025-12-16) (Reward terms, the bank's own, read 6 Nov 2026)
- How to redeem ICICI credit card reward points (CardInsider; third party, gives ₹0.25 a point) (Third-party site, read 20 Oct 2026)
- Terms and Conditions for ICICI Bank HPCL Super Saver Credit Card (last updated 2021-06-22; still linked from the product page) (Reward terms, the bank's own, read 6 Nov 2026)