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ICICI Bank HPCL Super Saver Credit Card Review

The ICICI Bank HPCL Super Saver credit card may not meet expectations set by its “Super Saver” title but is worth considering for the savings offered on fuel, utility and grocery bills.

This multi-benefit credit card offers a reward-driven experience for almost all purchases you can make with it. If you are looking to get your first credit card to try it out as a product, the ICICI Bank HPCL Super Saver credit card is a great option.

To further determine if the card offers more than enough benefits to make it a worthwhile consideration for your credit card application, we evaluate the benefits and rewards against charges and limits in this review of the ICICI Bank HPCL Super Saver card.

ICICI Bank HPCL Super Saver credit card

ICICI Bank HPCL Super Saves Credit Card: Highlights

The ICICI Bank HPCL Super Saver credit card offers various regular and complimentary benefits.

With this card, you get Rs 300 per month in cashback and rewards, 25% discount on movie ticket purchases, 2000 reward points + 100 INR cash back on the HP Pay App as a joining benefit, 24/7 concierge service, 5% cashback on utility and grocery, personal accident cover, complimentary 24/7 roadside assistance (RSA) services, 2 reward points on every ₹100 spent on retail purchases (excluding fuel), and complimentary domestic airport lounge access.

Key Benefits of ICICI Bank HPCL Super Saver Credit Card
Joining Fee₹500
Annual Fee Waiver (Rs. 500)If you spend ₹1,50,000 in a year
Welcome Benefits– 2000 bonus reward points upon activation if you pay the membership fee within 2 months and spend ₹5000 within 45 days
– ₹100 cash back on the first fuel purchase through HP Pay App
Additional Reward Points– 1.5% cashback in reward points on purchases through the HP Pay app at HPCL outlets
– 2 reward points on every ₹100 spent on retail purchases (except fuel)
Cashback– 5% cashback on HPCL fuel purchases through the HP Pay App
– 5% cashback on utility, grocery, and departmental store payments
Movie Ticket Discounts25% discount (up to ₹100) on the purchase of a minimum of 2 tickets per transaction (available for Bookmyshow and INOX)
Complimentary Airport Lounge AccessLavish seating, free Wi-Fi, widescreen TVs, luxury meals, and beverage services at domestic airports
24/7 Concierge ServiceAvailable upon activation
Personal Accident CoverAvailable upon activation
Complimentary 24/7 Roadside Assistance (RSA) ServicesEligible upon the payment of the joining fee

24X7 Toll-Free Helpline
Onsite Roadside Repair
Vehicle Towing Taxi Services
Customer Care Conference Calls
Vehicle Custody Services
Fuel Delivery Lost/Locked Key Retrieval
Emergency Medical Services or Hotel Accommodation
Vehicle Repatriation
Replacement/Courtesy Car
The ICICI Bank Culinary Treats Program Dining OffersFor details, visit ICICI Bank website

Fuel Rewards

You get 5% cashback on purchases made at HPCL fuel outlets and using the HP Pay App.

  • 4% – Capped at ₹200 per month.
  • 1% fuel surcharge waiver.

Additional Cashback and Rewards Points

The ICICI Bank HPCL Super Saver credit card comes with numerous benefits.

  1. As a part of introductory offer, you get 2000 reward points upon spending ₹5000 within 45 days and payment of the membership fee within 2 months.
  2. ₹100 cash back on the first fuel purchase made using the HP Pay App.
  3. 1.5% cashback in reward points on purchases at HPCL outlets using the HP Pay app.
  4. 2 reward points on every ₹100 you spend on retail purchases (except fuel).
  5. 5% cashback on mobile bills, electricity bills, grocery, and departmental store payments.

ICICI HPCL Super Saver Card: Fees and Charges

Joining Fee₹500
Annual Fee₹500 (Can be waived off on annual spend of more than ₹1.5 lakh)
Late Payment ChargesFor pending amounts:
Less than ₹100: NA
Between ₹100 to ₹ 500: ₹100
Between ₹501 to ₹10,000: ₹500
Between ₹1,001 to ₹10,000: ₹750
More than ₹10,000: ₹750
Cash Advance Fee2.50% on advanced amount (minimum of ₹300)
Overdue Interest on Extended Credit3.50% monthly (42% Annually)
Card Replacement Fee₹100

See full fees and charges here at ICICI website.

ICICI Bank HPCL Super Saver Credit Card: 8 Benefits & Perks

This credit card offers some attractive benefits that could prove highly convenient to you as a cardholder.

Complimentary Roadside Assistance (RSA) Services

You get complimentary and 24/7 roadside assistance that includes various services like 24X7, a Toll-Free Helpline, Onsite Roadside Repair, Vehicle Towing, Taxi Services, Customer Care Conference Calls, Vehicle Custody Services, Fuel Delivery, Lost/Locked Key Retrieval, Emergency Medical Services or Hotel Accommodation, Vehicle Repatriation, and Replacement/Courtesy Car.

Complimentary Airport Lounge Access

You get complimentary lounge access at domestic airports where you can get luxurious seating arrangements, large-screen TVs for entertainment, delicious meals, and beverages.

Movie Ticket Discount

The ICICI Bank HPCL Super Saver credit card offers a 25% discount (up to ₹100) if you buy a minimum of 2 tickets per transaction using Bookmyshow or at INOX.

24/7 Concierge Service

You get 24/7 access to concierge services with this card.

Personal Accident Cover

The card offers insurance coverage for accidental bodily injuries, partial or permanent disabilities, and death.

Welcome Benefit

Upon activation, you get welcome benefits like 2000 reward points and ₹100 cash back on the first fuel purchase.

Fuel Cashback

As mentioned before, you get 5% cashback on fuel purchases made using the HP Pay App at HPCL outlets.

Annual Fee Waiver

You get an annual fee waiver if you spend 1,50,000 INR in a year.

Is it a beneficial credit card?

While the “Super Saver” title may be a marketing-driven exaggeration, the ICICI Bank HPCL Super Saver card does outperform many of its competitors when it comes to cost saving. It offers various cashback offers, rewards points, movie ticket discounts, personal accident cover, and complimentary airport lounge access.

If such benefits are advantageous for your regular lifestyle, you can go for this credit card.

ICICI Bank HPCL Super Saver Credit Card Apply Online

To apply online for this co-branded credit card from Hindustan Petroleum and ICICI Bank, you can visit ICICI Bank’s website and fill in the application. Take a look at the eligibility criteria and list of required documents before applying online.

Eligibility Criteria

  1. Must be from 21 to 65 years old.
  2. Must be salaried or self-employed with a stable income.
  3. Must have an excellent credit score.

Required Documents for the Application

Proof of Identity: Aadhar Card, PAN card, Voter’s ID, Passport, or Driving License.

Proof of Address: Aadhaar card, Passport, Electricity bills, Driver’s License, Passport, Utility Bill (Last 3 months), or Ration Card.

Proof of Income: Salary Slip (Last 3 months), Latest 3 months’ bank statement, and latest ITR (mandatory for self-employed)

Final Thoughts

The ICICI Bank HPCL Super Saver credit card is a fairly reward-filled credit for those looking to buy their first credit card, those who need lower interest, and those who are looking to save costs on all types of credit card transactions. However, some of its rewards come with eligibility criteria that you must look into before applying.

For example, the 5% cashback on fuel purchases is only applicable if you use a credit card through the HP Pay App at the HPCL fuel outlet.

Therefore, you should look into such factors, evaluate according to your spending habits and lifestyle, and then make an informed decision on whether this is the right credit card for you.

More fuel cards for HPCL outlets:

Fuel cards for BPCL outlets:

Credit cards for IndianOil outlets:

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