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ICICI Bank
ICICI Bank HPCL Super Saver Credit Card
- Joining fee incl. GST
- ₹590
- Renewal fee incl. GST
- ₹590
- Conditional welcome value
- Up to ₹500
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income (salaried)
- ₹20,000/mo
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. 2,000 points on joining-fee payment and activation under issuer terms; not an unconditional cash credit.
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Reward ceilings, transaction rounding and detailed annual qualifying-spend exclusions remain unverified; point values are comparison assumptions.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Groceries 20 Reward Points per ₹100 on daily essentials (groceries/departmental); capped 400 points/month (≈₹100); point value ≈ ₹0.25 Monthly cap shown as the spend at which it binds: 400 Reward Points per month ÷ 20 RP per ₹100 = ₹2,000 of spend, shared with utilities. | 5% | ₹100 shared reward / month |
Utilities & bills 20 Reward Points per ₹100 on utilities; shares the 400 points/month cap across daily-essential categories Monthly cap shown as the spend at which it binds: 400 Reward Points per month ÷ 20 RP per ₹100 = ₹2,000 of spend, shared with daily essentials. | 5% | ₹100 shared reward / month |
Fuel Only the qualifying merchants or payment route below 4% fuel cashback at HPCL, capped at ₹200/month. The separate surcharge refund is excluded from reward value. | 4% | ₹5,000 spend / month |
| Other eligible purchases | 0.5% | — |
Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Key benefits
- Airport lounge access — 1/quarter domestic (1 domestic airport lounge visit per quarter on spends of ₹75,000+ in the previous quarter)
- 5% savings on HPCL fuel (4% cashback capped ₹200/month + 1% surcharge waiver)
- Additional 1.5% cashback (Happy Coins) via HP Pay app
- 20 Reward Points per ₹100 on daily essentials (capped 400 points/month)
- 2 Reward Points per ₹100 on other retail spends
- 25% off (up to ₹100) on BookMyShow/INOX movie tickets, twice a month (₹25,000 quarterly spend gate)
- 24x7 roadside assistance
What we like
- +4% HPCL fuel cashback plus separate conditional 1% surcharge relief
- +High reward rate on daily essentials (~5% within cap)
- +Low ₹500 annual fee, easily waivable
What to watch
- −Fuel cashback capped at ₹200/month
- −Daily-essentials points capped at 400/month
- −Lounge access requires ₹75,000 quarterly spend
Compare with similar cards
- Top reward
- 4%
- Annual fee
- ₹500
- Welcome bonus
- ₹250 value
Partner link — we may earn a commission. Disclosure
- Top reward
- 10%
- Annual fee
- ₹500
- Welcome bonus
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Partner link — we may earn a commission. Disclosure
- Top reward
- 10%
- Annual fee
- ₹500
- Top reward
- 2.5%
- Annual fee
- ₹499
- Welcome bonus
- ₹500 value
Partner link — we may earn a commission. Disclosure