ICICI Bank HPCL Super Saver Credit Card
ICICI Bank • Visa / RuPay
Co-branded fuel card with 5% total fuel savings at HPCL pumps (4% cashback + 1% surcharge waiver) and 5% reward points on utilities and grocery.
Underwriting & Income Cutoffs
warningHP Pay App / ICICI POS Machine Restriction for 4% Cashback
The 4% fuel cashback is strictly credited only when payment is made via the HP Pay app QR code or swiped directly on an ICICI Bank merchant POS terminal at HPCL petrol pumps. Non-ICICI swipe machines do not trigger cashback.
4% fuel cashback sirf tabhi milega jab aap HP Pay app se scan karke pay karein ya petrol pump pe lage ICICI Bank ke card machine par swipe karein.
Source: ICICI Bank HPCL Super Saver Product Terms and Conditions
warningStrict Monthly Caps on Fuel Cashback and Grocery Points
Fuel cashback is capped at a strict ceiling of INR 200 per billing cycle. Accelerated 5% departmental store/grocery reward points are capped at 400 points (INR 100 equivalent) per month.
Petrol par cashback har mahine maximum INR 200 tak hi mil sakta hai, aur grocery/utility par max 400 points (INR 100 value) ki limit hai.
Source: ICICI Bank HPCL Super Saver MITC Schedule
warningAirport Lounge Quarterly Spend Gate of INR 75000
Complimentary domestic lounge access requires spending at least INR 75000 in the previous calendar quarter. Otherwise, lounge visits are billed at commercial rates.
Free airport lounge tabhi milega jab pichle quarter me kam se kam INR 75000 ka spend ho chuka ho.
Source: ICICI Bank Credit Card Lounge Circular Jan 2025
Calculate Your Real Annual Profit on ICICI Bank HPCL Super Saver Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
The Math Behind ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card (ICICI Bank) un logon ke liye design kiya gaya hai jo FUEL categories me spend karke 5% tak ka value back chahte hain. Lekin ₹500 (+18% GST) ki annual fee ke sath, asli net profitability aapke merchant categories, waiver spend milestones aur hidden exclusions par depend karti hai.
• Partner Merchant Spends (5% return): Fee recover karne ke liye sirf ₹833 / mahina (₹10,000 / saal) spend zaroori hai.
• Regular Offline Spends (5% base return): Fee recover karne ke liye lagbhag ₹833 / mahina spend karna hoga. Isse kam spend karne par annual fee ki wajah se net return loss me chala jayega.
1. Fuel Brand Ecosystem Lock-in
Fuel credit cards specific oil marketing companies (BPCL, IndianOil, ya HPCL) ke official POS terminals ke sath tied-up hote hain jahan 4% se 7.25% tak ka value-back milta hai. Dusri rival oil company ke pump par swipe karne par rate drop hokar zero ho jata hai.
2. Surcharge Waiver Reality vs Un-waived 18% GST
Petrol pump par lagne wala 1% fuel surcharge bank reverse karta hai, lekin surcharge par lagne wala 18% GST bank kabhi reverse nahi karta aur customer ke account se deduct hota hai. Isliye 100% waiver ke bawajood chhota sa net GST loss hota hai.
3. Monthly Surcharge Waiver Ceiling
Fuel surcharge waiver sirf ₹400 se ₹4,000/₹5,000 ke beech ke transaction amount par hi valid hota hai. Monthly maximum waiver cap ₹100 se ₹250 par set hota hai, jo 3-4 tank refills me poora exhaust ho jata hai.
check_circleKise Lena Chahiye (Who Should Apply):
Agar aapka natural monthly kharcha FUEL merchants par hota hai aur aap saal me ₹10,000 ka spend aaram se cross kar lete hain.
cancelKise Bilkul Nahi Lena Chahiye (Who Should SKIP):
Agar aapka kharcha offline dukanon, petrol ya rent par zyada hota hai, ya online spend ₹833/mahine se kam hai, toh is card ko skip karein kyunki fee recover nahi hogi.
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Frequently Asked Questions
What is the annual fee of ICICI Bank HPCL Super Saver Credit Card and how can it be waived?expand_more
ICICI Bank HPCL Super Saver Credit Card ki joining aur annual renewal fee ₹500 + 18% GST (Total: ₹590.00) hai. Agar aap pichle saal me ₹1,00,000 ya usse zyada spend karte hain, toh renewal fee 100% reverse (waive) ho jati hai.
What is the minimum salary required for ICICI Bank HPCL Super Saver Credit Card?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹3,00,000 aur 750+ CIBIL score hona zaroori hai. Self-employed applicants ke liye ₹6.0 Lakhs+ annual ITR mandatory hai.
What are the ATM cash withdrawal and international forex charges?expand_more
ATM se cash withdraw karne par 2.5% (minimum ₹500) cash advance fee aur pehle din se finance charges lagte hain. International foreign currency spends par standard 3.5% forex markup + 18% GST deduct hota hai.
How does ICICI Bank HPCL Super Saver Credit Card reward point redemption work?expand_more
Earn kiye gaye points ko statement cash ya partner shopping vouchers me redeem kar sakte hain. Statement credit lene par 1 point lagbhag ₹0.25 ka hota hai aur bank ₹99 + 18% GST redemption fee charge karta hai.
• Data Authority: Audited against official bank Most Important Terms and Conditions (MITC) Schedule.
• Regulatory Reference: Reserve Bank of India (RBI) Credit & Debit Card Directions 2022/2024.
• Verification: Independent research conducted by EQUIS Intelligence Labs • Last verified: September 2026.