INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official icicibank.com (ICICI Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️ICICI Bank Ltd.Network: VisaFuel CardsLast Verified: 2026-09-28

ICICI HPCL Super Saver Credit Card

आईसीआईसीआई एचपीसीएल सुपर सेवर क्रेडिट कार्ड

Fuel co-brand card offering 5% savings at HPCL pumps, 5% on utility bills and groceries, and 1 complimentary lounge visit per quarter.

Annual Fee₹500 + GST (Renewal: ₹500 + GST)

Reward Rate5% total savings on fuel purchases at HPCL petrol pumps (4% cashback as ICICI Reward Points + 1% fuel surcharge waiver). 5% cashback on utility bill payments and departmental store grocery spends (capped at 100 Reward Points per month per category). 2 Reward Points per ₹100 on other retail spends.

Airport Lounge1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

ICICI HPCL Super Saver is a fuel and household essentials card designed for vehicle owners who refuel at Hindustan Petroleum (HPCL) outlets. It offers 5% overall savings on petrol/diesel refills, 5% on utilities and departmental groceries, and BookMyShow movie discounts.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST (Renewal: ₹500 + GST)

Fee Waiver: Spend ₹1,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

🎁Welcome Benefit

2,000 bonus ICICI Reward Points (worth ₹500) credited upon payment of the joining fee and first retail transaction.

⚡Reward Points Structure

5% total savings on fuel purchases at HPCL petrol pumps (4% cashback as ICICI Reward Points + 1% fuel surcharge waiver). 5% cashback on utility bill payments and departmental store grocery spends (capped at 100 Reward Points per month per category). 2 Reward Points per ₹100 on other retail spends.

Redemption Value: 1 Reward Point = ₹0.25 directly redeemable against fuel at HPCL pumps or for statement credit.

🛫Airport & Railway Lounge Access

1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Personal accidental death cover of ₹2 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver on transactions up to ₹4,000 at all HPCL petrol pumps across India.

🎯Milestone Spends & Grace Period

Milestones: Annual fee reversal on ₹1,50,000 annual spend. 25% discount on BookMyShow/INOX tickets twice a month (up to ₹100).

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Accelerated fuel cashback requires swipe on ICICI merchant POS machines at HPCL pumps or HP Pay app. Monthly utility and grocery accelerated points have a tight 100-point monthly cap. Domestic lounge access requires ₹35,000 quarterly spend.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% monthly finance charges.

Finance Charges (Interest)3.50% per month (42.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).

Reward Points ExpiryReward points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions at non-HPCL petrol pumps, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹20,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹3,00,000.

Age Requirement21 to 60 Years

Minimum Income₹20,000/month (Salaried) / ₹3,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit icicibank.com/hpcl or open iMobile Pay app.

2Enter PAN and mobile number for instant eligibility check.

3Select ICICI HPCL Super Saver Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any ICICI Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (icicibank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on ICICI HPCL Super Saver Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on ICICI HPCL Super Saver Credit Card into EMI?

Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on ICICI HPCL Super Saver Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 directly redeemable against fuel at HPCL pumps or for statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on ICICI HPCL Super Saver Credit Card and how does it work?

The interest-free period on ICICI HPCL Super Saver Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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