ICICI Bank HPCL Super Saver Credit Card
ICICI Bank · Visa + RuPay · Entry card
Combines an accessible income threshold with a focused HPCL fuel return and capped rewards on recurring household essentials.
Budget-conscious households that consistently refuel at HPCL and spend on groceries and utility bills.
Terms checked 13 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 5% |
| Bills & utilities | 5% |
| Fuel & commute | 4% |
| Online shopping | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Insurance premiums | 0.5% |
| Other miscellaneous | 0.5% |
| Gold & jewellery | 0.5% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- HPCL fuel cashback: ₹200/month
- Annual fee waiver
- At ₹1,50,000 annual spending
- Monthly income requirement
- Approx. ₹20,000/month salaried · ₹20,000/month self-employed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
Requires ₹75,000 per Calendar quarter for the following calendar quarter
Spend condition: Spend ₹75,000 in the preceding calendar quarter.
Movies and entertainment
BookMyShow · 25% discount · up to ₹100 · 2 uses/month
Requires ₹25,000 per Calendar quarter for the following calendar quarter.
Availability: Shared across eligible BookMyShow and INOX bookings from April 1, 2026..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 8 items
HPCL fuel cashback
Usage-based value4% cashback on eligible fuel transactions at HPCL pumps or through HP Pay.
Conditions: 4% cashback on eligible fuel transactions at HPCL pumps or through HP Pay.
Grocery rewards
Usage-based value20 points per ₹100 on eligible grocery purchases.
Utility and telecom rewards
Usage-based value20 points per ₹100 on eligible utility and telecom payments.
Department-store rewards
Usage-based value20 points per ₹100 only at eligible departmental stores.
Conditions: 20 points per ₹100 only at eligible departmental stores.
Government and tax-payment rewards
Usage-based value20 points per ₹100 on eligible government and tax payments under the published MCC list.
Conditions: 20 points per ₹100 on eligible government and tax payments under the published MCC list.
Other domestic and international rewards
Usage-based valueTwo reward points per ₹100 on other eligible domestic and international purchases.
4% cashback on eligible HPCL or HP Pay fuel, capped at ₹200 monthly
Shown without a cash value20 points per ₹100 on grocery, utility, telecom and eligible department-store spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹1,50,000 of eligible annual spending.
Conditions: Reach ₹1,50,000 eligible annual spending
Roadside assistance while the annual fee is paid; not available when the fee is waived
Shown without a cash value
Welcome benefits · 1 item
2,000 welcome reward points
Recorded value ₹500Welcome points worth ₹500 at the current ₹0.25 point value.
Conditions: Pay the applicable joining fee · Spend ₹5,000 on eligible purchases within 45 days of issuance
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹75,000 per calendar quarter
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹2,40025% discount up to ₹100, 2 times per month. Shared across eligible BookMyShow and INOX bookings from April 1, 2026.
Conditions: Spend ₹25,000 per calendar quarter
Insurance and protection · 1 item
RuPay personal-accident cover up to ₹2 lakh under network terms
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹400-₹4,000 transactions
Shown without a cash value
Concierge · 1 item
RuPay concierge assistance
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹20,000. Self-employed threshold derives from the published ₹2.4 lakh annual income requirement.
Other benefits · 2 items
Optional 1.5% HappyCoins on HP Pay fuel under HPCL wallet terms
Shown without a cash valueRoadside assistance while the card remains fee-paying
Shown without a cash value
Other categories (6)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 4% cashback on eligible HPCL or HP Pay fuel, capped at ₹200 monthly
- ✓ 20 points per ₹100 on grocery, utility, telecom and eligible department-store spend
- ✓ Movie and domestic-lounge benefits after separate preceding-quarter spend conditions
- ✓ Roadside assistance while the card remains fee-paying
What to watch
The 400-point essentials cap is shared per statement cycle. Movie access needs ₹25,000 and lounge access ₹75,000 in the preceding quarter; waived annual fee removes roadside assistance eligibility.
Recorded exclusions
Rent · Wallet load · Cash withdrawal · Fuel for reward points · Emi · Balance transfer · Personal loan on card · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Movie offer gained a quarterly spend condition
ICICI Bank linked the twice-monthly movie discount to preceding-quarter card spend.
- Before
- The published movie offer did not have the current ₹25,000 preceding-quarter threshold.
- After
- ₹25,000 eligible spend in the preceding quarter is required for the movie offer.
Checked 22 Sept 2026ICICI Bank card benefit changes ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 1 Apr 2026