ICICI HPCL Super Saver Credit Card

About ICICI HPCL Super Saver Credit Card

Are you spending thousands every month on fuel and utility bills without getting anything back? The ICICI HPCL Super Saver Credit Card is designed to change that by putting money back into your pocket every time you visit a petrol pump or pay your electricity bill.

This card offers a solid value proposition for daily commuters and households. If you spend around ₹5,000 on fuel and another ₹8,000 on groceries and utilities monthly, you could see significant annual savings. With a low entry barrier of a ₹20,000 monthly income, it is one of the most accessible "saver" cards in the market today.

Built for salaried professionals and small business owners earning ₹2.40 lakh or more annually, this card focuses on high-frequency spending categories rather than luxury perks. It helps you manage your monthly budget by rewarding you for the expenses you cannot avoid.

What sets it apart:

• 5% savings on fuel at HPCL outlets, which is significantly higher than the standard 1% or 2% offered by basic cards.
• Accelerated 5% rewards on everyday essentials like groceries and departmental stores.
• A very low annual fee of ₹500, which you can get waived by spending just ₹1.5 lakhs in a year.

Quick check: To qualify, you will need a minimum income of ₹20,000 per month and a credit score (CRIF) of 720 or above.

Let's break down why this card might be the smartest addition to your wallet:

Key Benefits and Features of the ICICI HPCL Super Saver Credit Card

The ICICI HPCL Super Saver Credit Card is not just a fuel card; it is a lifestyle tool that targets the biggest chunks of a typical Indian household's monthly budget. Here is a detailed look at how you can maximize your savings:

Fuel Savings that Add Up

If fuel costs are a major part of your monthly spend, this card offers a multi-layered benefit at HPCL pumps:

• 4% Cashback: You get 4% cashback on all fuel purchases at HPCL stations. This is capped at ₹200 per month.
• 1% Surcharge Waiver: You save on the standard 1% fuel surcharge for transactions up to ₹4,000.
• Additional 1.5% Rewards: If you use the HP Pay app to make the payment at HPCL outlets, you earn an extra 1.5% in reward points.

By combining these, you are looking at nearly 6.5% in total value back on your fuel spends, which is one of the highest in this segment.

Rewards on Daily Essentials

Unlike many co-branded fuel cards that only reward you at the pump, this card is equally strong at the supermarket and for home management:

• 5% Rewards on Groceries and Departmental Stores: This is a massive perk for home shoppers. Whether you are buying monthly rations or clothes at a department store, you earn 5% back in reward points.
• 5% Rewards on Utility Bills: Paying for electricity, water, or gas via your credit card earns you 5% back.
• Capping: These rewards are capped at 400 points per month, ensuring a steady stream of savings on your fixed costs.

Entertainment Perks

The card also covers your weekend plans. You get a 25% discount on movie tickets when booking through BookMyShow or INOX. This discount is valid for up to ₹100 per transaction and can be used twice every month, giving you a total monthly saving of ₹200 on movies.

Travel and Lounge Access

While primarily a fuel and utility card, it does not ignore the occasional traveler. You receive 1 complimentary domestic airport lounge access every quarter. To use this benefit, you simply need to have spent at least ₹75,000 in the previous calendar quarter. This is a great way to enjoy a meal and relax before your flight at no extra cost.

Fees and Waiver Conditions

The card comes with a very manageable fee structure:

• Joining Fee: ₹500 (plus GST).
• Welcome Bonus: You get 2,000 reward points once you pay the joining fee and spend ₹5,000 within the first 45 days. Since 1 reward point equals ₹0.25, this bonus effectively gives you ₹500 back, covering your joining cost.
• Annual Fee: ₹500. This is waived if you spend more than ₹1.5 lakhs in the preceding year. This means if you spend roughly ₹12,500 a month on fuel, groceries, and bills, the card becomes free for life.

How to Apply for the ICICI HPCL Super Saver Credit Card

The application process for the ICICI HPCL Super Saver Credit Card is straightforward. Follow these steps to get your card:

1. Visit the official ICICI Bank website or use the iMobile Pay app.
2. Navigate to the "Credit Cards" section and locate the HPCL Super Saver variant.
3. Click on "Apply Now" and enter your mobile number and basic details like PAN and date of birth.
4. Ensure you meet the minimum income requirement of ₹20,000 per month (₹2.40 LPA) and have a credit score above 720.
5. Fill in your employment details, whether you are salaried or self-employed.
6. Upload the necessary digital copies of your documents when prompted.
7. Once submitted, the bank will verify your details and might call you for a physical KYC or perform a Video KYC.

Credit Limit and What to Expect

Credit limits for the ICICI HPCL Super Saver Credit Card are assigned based on your income, credit score, and existing relationship with ICICI Bank. First-time credit card users with a monthly salary of ₹20,000 receive a starting limit between ₹25,000 and ₹50,000. For those with higher salaries or existing ICICI accounts, the limit is significantly higher. ICICI Bank reviews credit limits every 6-12 months, and you can request an increase if you consistently pay your bills on time and keep your credit utilization low.

Comparison Table: ICICI HPCL Super Saver vs. Competitors

To see how this card stacks up against other fuel-focused cards, let's look at the current market leaders in the same fee bracket:

The ICICI HPCL Super Saver Credit Card is the clear winner if you want a balanced card that covers fuel, grocery, and utility bills while also offering lounge access. While the BPCL SBI card might offer slightly simpler fuel points, it lacks the utility and lounge benefits that make the ICICI card a better all-rounder.

Documents Required for ICICI HPCL Super Saver Credit Card Application

You will need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements
• Employment Proof: Office ID card or employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with computation of income, and 6 months' bank statements
• Business Proof: Business registration certificate, GST registration (if applicable), or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents during verification depending on your profile.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the ICICI HPCL Super Saver:

The Daily Office Commuter: If you drive to work and spend between ₹4,000 and ₹6,000 on petrol every month, this card is a perfect match. You will maximize the 4% cashback and the surcharge waiver, saving you roughly ₹2,400 to ₹3,000 annually on fuel alone.

The Smart Householder: If you are responsible for paying the family's electricity bills and buying groceries, this card is excellent. A person spending ₹5,000 on groceries and ₹3,000 on utilities monthly will hit the reward caps easily, resulting in an additional ₹1,200 to ₹1,500 in annual savings through reward points.

The Occasional Traveler on a Budget: If you travel 2-3 times a year and want the comfort of an airport lounge without paying a high annual fee of ₹3,000 or ₹5,000, this card is a great entry point. Just ensure you spend ₹75,000 in the previous quarter to activate the benefit.

You might want to skip this card if:

• You do not have an HPCL pump on your regular route. The fuel benefits are specific to HPCL, and using it at IndianOil or Bharat Petroleum won't give you the 4% cashback.
• You are a very high spender. The caps on fuel cashback (₹200) and utility points (400 points) mean that once you spend past a certain limit, your earnings drop significantly.

BankKaro Expert Review

Based on the card's features, the ICICI HPCL Super Saver Credit Card excels at being a "wallet-filler" card for the average Indian middle-class consumer. While many fuel cards feel one-dimensional, this card's decision to include 5% rewards on groceries and utilities makes it much more useful for day-to-day life.

The biggest limitation is the capping system. The ₹200 monthly cap on fuel cashback means you only get the full 4% benefit on the first ₹5,000 you spend on fuel. If you are a long-distance traveler spending ₹15,000 on fuel, this card will feel restrictive. Similarly, the 400-point cap on utilities is somewhat low for large households with high electricity bills.

However, for its price point of ₹500, which is easily waived, it provides fantastic value. The inclusion of lounge access at this fee level is a rare and welcome bonus. Our verdict: Choose this card if you primarily use HPCL fuel stations and want a simple, low-cost way to save on your monthly household overheads.

Terms and Conditions

The following terms apply to the ICICI HPCL Super Saver Credit Card:

• The bank may offer a different card variant based on your eligibility. Carefully read the features of the card offered before submitting your application.
• A minimum transaction of Rs. 100 within 30 days is required to activate the card and become eligible for welcome benefits.
• Reward points are not earned on Rent Payments, Insurance, Cash Withdrawals, School and Educational Services, GST Charges, and Tolls.
• Fuel surcharge waiver is applicable only on HPCL fuel transactions up to ₹4,000 per transaction.
• Lounge access is subject to spending ₹75,000 in the previous calendar quarter.