ICICI Bank HPCL Super Saver Credit Card

The ICICI Bank HPCL Super Saver Credit Card sits at the entry level of ICICI’s co-branded fuel card lineup, alongside the HPCL Coral variant. Both the joining fee and annual fee are ₹500 plus GST, making this one of the cheapest fuel-focused cards available from any major bank. The annual fee gets waived when you spend ₹1.5 lakh in a year, a target that regular fuel buyers and grocery shoppers can hit without stretching. Welcome benefits include 2,000 reward points credited on card activation.Fuel savings are the primary reason to carry this card. Every fill-up at an HPCL pump earns 5% savings, split into a 4% cashback (capped at ₹200 per month) and a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000. Using the HP Pay app at HPCL outlets adds another 1.5% back as Happy Coins. For someone spending ₹5,000 per month on HPCL fuel, the monthly cashback alone recovers the annual fee within three months. At non-HPCL stations, only the standard 1% fuel surcharge waiver applies, with no cashback.Beyond fuel, the card earns 20 reward points per ₹100 on daily essentials like groceries, utilities, and departmental store purchases, capped at 400 points per month. Regular retail purchases earn 2 points per ₹100 with no cap. The iShop portal multiplies earnings to 6x or 12x at select merchants. One domestic airport lounge visit per quarter is available after spending ₹75,000 in the previous quarter. BookMyShow and INOX discounts of 25% up to ₹100 on minimum 2 tickets apply twice monthly. The RuPay variant adds personal accident insurance and 24x7 concierge service.This card works best for people who refuel at HPCL stations regularly and want a low-cost credit card with tangible fuel savings. The 24x7 roadside assistance covering breakdowns, towing, key retrieval, and emergency fuel delivery is a genuine differentiator that most budget cards do not include. If you split your fuel purchases across multiple oil company brands, the HPCL-specific cashback becomes less useful, and a general fuel surcharge waiver card might serve you better.