ICICI Bank has introduced a new fuel-focused credit card called the ICICI Bank HPCL Super Saver Credit Card. It follows the same basic approach as other cards in ICICI’s HPCL lineup, such as the ICICI HPCL Coral Credit Card, with only a few tweaks. Below is a clear summary of the card’s fees, rewards, and benefits so you can decide whether it suits your needs.
Table of Contents
- Joining Fees
- Rewards
- Features & Benefits
- Is it worth it?
- Final Thoughts
Joining Fees
| Joining Fee | Rs.500 + GST |
| Welcome Benefit | 2,000 Payback Points |
| Renewal Fee | Rs.500 + GST |
| Renewal Fee Waiver | Rs.1,50,000 in annual spends |
- Additional welcome benefit: Rs.100 on HP Pay after the first successful recharge of at least Rs.1,000 on the HP Pay mobile app.
The joining fee and welcome benefits are straightforward and modest. You aren’t paying a high fee to hold this card if you use the sign-up offers.
Rewards
| Transaction Type | Rewards | Max. Cap |
|---|---|---|
| Fuel spends & HP Pay | 5% cashback | Rs.200/month |
| Utility, grocery & departmental stores | 5% (as points) | Rs.100/month (400 points) |
| Other spends | 0.5% (as points) | — |
| HP Pay fuel spends | 1.5% (as points, additional) | — |
- Combined cap: Effective maximum benefits across accelerated categories equal approximately Rs.500 per month in value.
The rewards structure delivers higher rates for fuel and select categories, but the low monthly caps limit the overall value. If you expect large monthly fuel or grocery spends, the caps will quickly reduce the benefit.
Features & Benefits
Additional benefits included with the HPCL Super Saver Credit Card:
- Complimentary airport lounge access (requires Rs.5,000 spends in the previous quarter)
- Complimentary Roadside Assistance (RSA)
- 25% discount (up to Rs.100 per transaction) on movie ticket bookings with BookMyShow and INOX, available twice a month
Note that ICICI has adjusted lounge access conditions across its Coral range; verify the current number of complimentary visits and eligibility requirements before relying on them.
Is it worth it?
For most users, this card is not particularly compelling. The HPCL Super Saver Credit Card offers conservative rewards and tight monthly caps that limit real-world value. If your goal is meaningful cashback or high rewards on fuel, there are other cards that historically provided better value.
Given the minimal differences from existing HPCL cards, this appears to be a modest product refresh rather than a major improvement. If you already hold another HPCL-branded ICICI card, switching solely for these changes may not be necessary.
Final Thoughts
- Cardexpert Rating: 3.5/5
Among fuel-focused cards in India, some previously offered stronger value on fuel spends. With changes in availability and fulfillment for a few of those offerings, users should evaluate alternatives carefully. For straightforward, capped fuel benefits this card is acceptable, but if you want higher consistent value from fuel or grocery spends, consider other cards or e-wallet strategies that better match your spending patterns.