ICICI HPCL Super Saver Credit Card Review: Complete 2026 Update
- Quick Verdict
- Card at a Glance
- Fees & Welcome Benefits
- Reward Point System Explained
- Travel & Lounge Benefits
- Milestone Benefits & Fee Waivers
- Pros & Cons
- Who Should Get This Card?
- Final Conclusion
Quick Verdict
- Is it good? Yes, especially for HPCL fuel users.
- Reward rate? Up to 5% cashback on fuel and utilities.
- Best for? Frequent HPCL customers and utility spenders.
Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | ₹500 + GST |
| Joining Fee | ₹500 + GST |
| Annual Fee Waiver | Spend ₹1,50,000 annually |
| Reward Rate | 5% on Fuel & HP Pay, 5% on Utilities, 0.5% on Other Spends |
| Welcome Benefit | 2000 Payback Points + ₹100 on HP Pay |
| Lounge Access | 1 per quarter with ₹5K spend |
Fees & Welcome Benefits
The ICICI HPCL Super Saver Credit Card comes with a joining fee of ₹500 + GST and an annual fee of the same amount. However, if you spend ₹1,50,000 in a year, you can get the annual fee waived off. This makes it a cost-effective option for those who frequently use their credit card for purchases.
As a welcome benefit, new cardholders receive 2000 Payback Points and an additional ₹100 on HP Pay after their first successful recharge of a minimum of ₹1000 on the HP Pay mobile app. This is a decent start for new users, especially if they are already using HPCL services.
Reward Point System Explained
The reward structure of the ICICI HPCL Super Saver Credit Card is designed to benefit users who spend on fuel and utilities. Here’s a detailed breakdown:
| Category | Reward Rate | Monthly Cap |
|---|---|---|
| Fuel & HP Pay | 5% Cashback | No Cap |
| Utilities, Groceries & Departmental Stores | 5% (as points) | ₹100 |
| Other Spends | 0.5% (as points) | No Cap |
| Additional HP Pay Fuel Spends | 1.5% (as points) | No Cap |
In our experience, the cashback on fuel and HP Pay transactions is quite attractive, especially for regular users. However, the capped rewards on utilities and groceries can be a downside for those who spend heavily in those categories.
Travel & Lounge Benefits
When it comes to travel perks, the ICICI HPCL Super Saver Credit Card offers limited lounge access. Cardholders can enjoy 1 complimentary lounge access per quarter, provided they have spent ₹5,000 in the previous quarter. This is a nice touch for frequent travelers, but it may not be sufficient for those who travel often.
It’s worth noting that the lounge access is limited to select lounges, and users have reported mixed experiences regarding the availability and quality of these lounges. If you’re a frequent traveler, you might want to consider other cards that offer more comprehensive lounge access benefits.
Milestone Benefits & Fee Waivers
The card also comes with some milestone benefits that can enhance your overall experience:
- Complimentary Roadside Assistance (RSA): This feature is included, but users have reported issues with its availability and effectiveness.
- Movie Ticket Discounts: Enjoy a 25% discount (up to ₹100 per transaction) on movie ticket bookings through BookMyShow and INOX movies, twice a month. However, some users feel this offer has been devalued over time.
While these benefits can add value, the effectiveness of the RSA feature has been questioned, and the movie ticket offer may not be as appealing as it once was.
Pros & Cons
| Pros | Cons |
|---|---|
| Decent welcome benefits | Low reward caps (₹200/m on Fuel) |
| No additional cost to hold the card | Lounge access requires ₹5K spend in previous quarter |
| Fuel surcharge waiver at HPCL pumps | Issues with Roadside Assistance (RSA) feature |
| Accelerated reward points on HPCL purchases | Does not deliver promised rewards on fuel spends |
| Potential savings on utilities and groceries | Charges extra fuel surcharge |
| Good fuel savings for HPCL users | Limited to HPCL fuel pumps |
Who Should Get This Card?
The ICICI HPCL Super Saver Credit Card is best suited for:
- Frequent HPCL Customers: If you regularly refuel at HPCL stations, this card can provide significant savings.
- Utility Spenders: Those who spend on utilities and groceries can benefit from the cashback offers, although capped.
- Budget-Conscious Users: With no annual fee if you meet the spending threshold, it’s a good option for those looking to save.
However, if you’re looking for a card with broader rewards or travel benefits, you might want to explore options like the ICICI Accelero Puneet Review or the ICICI Parakram Select Review.
Final Conclusion
In conclusion, the ICICI HPCL Super Saver Credit Card is a solid choice for those who frequently use HPCL for fuel and want to earn rewards on their utility spends. While it has its drawbacks, such as low reward caps and limited lounge access, the overall value it offers to HPCL users is commendable. If you fit the target audience, this card can be a great addition to your wallet.
For more information, you can visit the ICICI Bank official page or check out CardExpert for detailed reviews.