CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

ICICI HPCL Super Saver Credit Card

30
Ranked #89 of 170 in credit
creditVisa/MastercardEntry-Fuel

ICICI's entry-level fuel-focused card co-branded with HPCL, offering an unusually strong combined 2.5% cashback + 1% surcharge waiver on HPCL fuel purchases plus accelerated rewards on utility and grocery spends — good value at a low Rs500 fee.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value13/100 · weight 71%
≈ 0.62% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks19/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: Not detailed in current sources; verify at MITC
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
fuelcashback2.5%—2.5% cashback specifically at HPCL pumps, plus separate 1% surcharge waiver
all_spendspoints0.50%(2 pts @ ₹0.25)—2 ICICI Reward Points/Rs100 base rate, excludes fuel
online_spendspoints0.25%(1 pts @ ₹0.25)——
diningpoints0.25%(1 pts @ ₹0.25)——
travelpoints0.25%(1 pts @ ₹0.25)——
groceriespoints0.25%(1 pts @ ₹0.25)——

Welcome offer

Not prominently documented; verify at application

Milestone benefits

Pros

  • Unique combined fuel benefit (2.5% cashback + 1% surcharge waiver at HPCL) unusual for an entry-level card at Rs500 fee
  • earns accelerated rewards on utility/grocery spends despite being fuel-branded
  • roadside assistance included
  • complimentary limited lounge access uncommon at this price point

Cons

  • Fuel cashback benefit is HPCL-specific (not usable at other fuel brands)
  • entry-level reward structure elsewhere
  • limited lounge access

What's inside

More benefits

  • Roadside assistance

    24x7 roadside assistance at no additional charge

    unlimited.

Insurance cover

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₹NaN

Eligibility

text
Age 21+; entry-level income criteria

Small print

Fuel surcharge:2.5% additional cashback on HPCL fuel purchases PLUS 1% standard fuel surcharge waiver — unusually strong combined fuel benefit