ICICI Bank HPCL Super Saver Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility
The ICICI Bank HPCL Super Saver Credit Card is a leading fuel credit card issued by ICICI Bank on the Visa network. Tailored specifically for icici bank customers looking for 5% fuel savings at hpcl stations paired with grocery, departmental store, and utility discounts. it features a joining fee structure of ₹500. In this comprehensive 2026 review, CardSe evaluates its fee waiver thresholds, category capping rules, airport lounge access qualification, and net reward yields to help you determine if this card earns a permanent spot in your wallet.
Key Benefits & Reward Structure
The reward structure of the ICICI Bank HPCL Super Saver Credit Card is structured around category-specific accelerators and spend thresholds:
- Lounge Spend Condition: Lounge access is subject to spending ₹75K in prev quarter in the preceding cycle.
- Domestic Lounge Access: Offers 4 Access/year (Max 1/quarter) rewards.
- Fuel Rewards: Offers 16 RP/Rs 100 (4%) rewards.
- Other Rewards: Offers 20 RP/Rs 100 (5%) on Groceries rewards.
- Fuel Surcharge Waiver: Offers 1% rewards.
- Reward Point Value / Cashback: Offers 1 RP = ₹0.25 rewards.
Important Parameters: ₹200/month cap on 4% fuel cashback; separate ₹100/month surcharge waiver limit
Break-Even & Value Analysis
With an annual fee of ₹500 + GST, spending ₹12,500 annually at HPCL fuel stations at 4% cashback yields ₹500, fully recovering the card fee. Spending ₹1.5 Lakh waives the annual renewal fee.
Pros & Cons
Pros
- Up to 5% savings on HPCL fuel (4% cashback + 1% fuel surcharge waiver).
- Additional 1.5% value back when transacting via the HP Pay mobile app.
- 5% reward points on utility bill payments and departmental store purchases.
- 1 complimentary domestic airport lounge visit per quarter upon spending ₹75,000 in the previous quarter.
Watchouts & Cons
- 4% fuel cashback is capped at ₹200 per monthly statement cycle.
- Fuel surcharge waiver has a separate monthly limit of ₹100.
- Lounge access requires a relatively high spend threshold of ₹75,000 in the previous calendar quarter.
CardSe Verdict
The ICICI Bank HPCL Super Saver Credit Card is a solid co-branded fuel card for moderate commuters who also want accelerated rewards on utility and departmental store purchases.
Detailed Card Parameters
| Joining & Annual Fee | Rs 500 + GST |
| Welcome Benefit | 2000 Reward Points |
| Annual Fee Waiver | Rs 1.5 Lakh spend |
| Domestic Lounge Access | 4 Access/year (Max 1/quarter) |
| Spends for Lounge | ₹75K in prev quarter |
| Fuel Rewards | 16 RP/Rs 100 (4%) |
| Fuel Surcharge Waiver | 1% |
| Other Rewards | 20 RP/Rs 100 (5%) on Groceries |
| Reward Point Value / Cashback | 1 RP = ₹0.25 |
| Notes | ₹200/month cap on 4% fuel cashback; separate ₹100/month surcharge waiver limit |
Frequently Asked Questions
- What is the monthly cashback limit on ICICI HPCL Super Saver?
- The 4% fuel cashback is capped at ₹200 per month, and the 1% fuel surcharge waiver is capped at ₹100 per monthly billing cycle.
- What is the spend requirement for airport lounge access on this card?
- You can access 1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹75,000 or more in the previous calendar quarter.
- How do you get the annual fee waived on ICICI HPCL Super Saver?
- The annual renewal fee of ₹500 + GST is 100% waived if your annual retail spending reaches ₹1,50,000 or more in the preceding membership year.
- Can you use the ICICI HPCL Super Saver card at non-HPCL petrol pumps?
- Yes, the card can be used at any fuel station across India, but the accelerated 4% cashback and HP Pay benefits only apply at authorized HPCL outlets.