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ICICI Bank
ICICI Bank HPCL Super Saver Credit Card
4.3Best for fuel spends
Lounge access
- Joining fee
- ₹500
- Annual fee
- ₹500
- Welcome bonus
- ₹500
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- ₹20,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Fuel 5% savings at HPCL = 4% cashback (capped ₹200/month) + 1% fuel surcharge waiver | 5% | ₹200 | ₹120 |
Groceries 20 Reward Points per ₹100 on daily essentials (groceries/departmental); capped 400 points/month (≈₹100); point value ≈ ₹0.25 | 5% | ₹100 | ₹60 |
Utilities & bills 20 Reward Points per ₹100 on utilities; shares the 400 points/month cap across daily-essential categories | 5% | ₹100 | ₹60 |
| All other spends | 0.5% | — | ₹600 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹500
Annual fee₹500
Annual fee waiverAnnual fee waived on spends of ₹1,50,000 or more in the previous year
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%
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
- +Strong 5% savings on HPCL fuel
- +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
- 5%
- Annual fee
- Lifetime free
- Top reward
- 1%
- Annual fee
- ₹12,000
- Top reward
- 1%
- Annual fee
- ₹2,000
- Welcome bonus
- ₹5,000 value