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ICICI HPCL Super Saver
A low-fee HPCL co-brand card that combines 4% fuel cashback with a 1% surcharge waiver for an effective ~5% saving at the pump, plus 5% cashback on groceries and utility bills (capped at ₹100 a month). It suits light-to-moderate fuel spenders best — the ₹200/month fuel cashback cap means high-mileage drivers will hit the ceiling fast and see diminishing returns.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 25% off (up to ₹100) on BookMyShow/INOX tickets, twice a month, on ₹25,000 quarterly spend
- Rewards rate: 1% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit/quarter (on ₹75,000+ spend in the preceding quarter)
Benefits by category
- 🛒 Groceries
5% reward rate (capped ₹100/monthly)
- ✈️ Travel
1 complimentary domestic lounge visit/quarter (on ₹75,000+ spend in the preceding quarter)
- 🧾 Utilities
5% reward rate (capped ₹100/monthly)
- ⛽ Fuel
4% reward rate (capped ₹200/monthly) · 1% fuel surcharge waiver at HPCL outlets on ₹400–₹4,000 transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Rewards redemption fee: No redemption fee — cashback credits automatically to the statement
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver at HPCL outlets on ₹400–₹4,000 transactions
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 2,000 Reward Points on joining fee payment
- 1% fuel surcharge waiver at HPCL outlets on ₹400–₹4,000 transactions
- 1 complimentary domestic lounge visit/quarter (on ₹75,000+ spend in the preceding quarter)
- 25% off (up to ₹100) on BookMyShow/INOX tickets, twice a month, on ₹25,000 quarterly spend
Pros
- + Low joining/annual fee, easily waived on ₹1.5L annual spend
- + Effective ~5% fuel savings at HPCL pumps (4% cashback plus 1% surcharge waiver)
- + 5% cashback on groceries, utility bills and other daily essentials, unlike single-category fuel cards
- + Quarterly domestic lounge access, rare at this fee level
Cons
- − Fuel cashback capped at just ₹200/month, limiting value for heavy drivers
- − Daily-essentials cashback is capped at 400 points (₹100) a month
- − Lounge and movie perks gated behind quarterly spend thresholds
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