ICICI Bank
ICICI Bank HPCL Super Saver Credit Card
4.3 / 5visa · rupay
- Joining fee
- ₹500
- Annual fee
- ₹500
- Base reward
- 0.5%
- Min income
- ₹20,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Fuel | 5% | ₹200 |
| Groceries | 5% | ₹100 |
| Utilities & bills | 5% | ₹100 |
Benefits
- ▸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
The good
- + Strong 5% savings on HPCL fuel
- + High reward rate on daily essentials (~5% within cap)
- + Low ₹500 annual fee, easily waivable
The catch
- − Fuel cashback capped at ₹200/month
- − Daily-essentials points capped at 400/month
- − Lounge access requires ₹75,000 quarterly spend