HPCL Super Saver

Joining ₹500 · Annual ₹500 · Waived on ₹1.5 lakh of spends in the prior year

Fee break-even: ≈₹1,00,000/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns cashback and points. The fuel benefit is direct cashback. The 5% on bills is 20 points per ₹100 at ₹0.25 a point

Verified 13 Aug 2026

Forex markup3.5%

Fuel surcharge1% waived at HPCL, part of the advertised 5%

EMI2.99% capped at ₹299 plus GST at a merchant, up to 2% converting a billed balance processing fee · A converted purchase stops earning rewards · 2.99% of the purchase capped at ₹299 plus GST. Fuel, gold, jewellery, gambling and cash cannot be converted. · Availing the EMI facility forfeits reward points under ICICI's reward program

Domestic lounge1 domestic visit a quarter, unlocked by ₹75,000 of spends in the previous quarter

Return by category

Category	Return	Notes
Online spend	0.5%	Base rate
Amazon	0.5%	Base rate
Flipkart	0.5%	Base rate
Subscriptions & OTT	0.5%	Base rate
Offline spend	0.5%	Base rate
UPI spending	0%	No RuPay variant is published, so UPI linking is unavailable
Dining	0.5%	Base rate
Swiggy	0.5%	Base rate
Zomato	0.5%	Base rate
Groceries	5%	Shares the 400 point monthly cap with utilities and departmental stores
Quick commerce	5%	Uses its groceries rate
Swiggy Instamart	0.5%	Base rate
Blinkit	0.5%	Base rate
BigBasket	5%	Uses its groceries rate
Movies & shows	0.5%	Base rate
BookMyShow	0.5%	Base rate
PVR INOX	0.5%	Base rate
Fuel	5%	The 4% cashback part caps at ₹200 a month, about ₹5,000 of fuel. The 1% surcharge waiver rides on top · HPCL pumps and the HP Pay app. Another 1.5% comes back as Happy Coins when paying through HP Pay
Travel (general)	0.5%	Base rate
Flights	0.5%	Base rate
Hotels	0.5%	Base rate
MakeMyTrip	0.5%	Base rate
IRCTC rail	0.5%	Base rate
International	−3%	0.5% reward − 3.5% forex markup
Utilities & bills	5%	20 points per ₹100, capped at 400 points a month, about ₹2,000 of spend
Rent	0%	Rent earns nothing
Education fees	0.5%	Base rate
Insurance premiums	0.5%	Base rate
Government & tax	0.5%	Base rate
Wallet loads	0.5%	Base rate
Anything else	0.5%	Base rate
Jewellery	0.5%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome: 2,000 reward points on joining
Another 1.5% as Happy Coins on HP Pay app payments

Other exclusions

Availing the EMI facility forfeits reward points under ICICI's reward program

ICICI Bank HPCL Super SaverBest for HPCL fuel on a small fee3.6 / 5

What we liked

5% on HPCL fuel with another 1.5% through the HP Pay app
5% on utilities and groceries, rare on a fuel card
1 lounge visit a quarter on ₹75,000 of quarterly spends

What to mind

The fuel cashback caps at ₹200 a month, about ₹5,000 of fuel
The 5% bill categories cap at roughly ₹2,000 of spend a month
0.5% base

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?