Annual fee₹500+ GST
Forex markup3.5%
Interest3.75%a month
NetworkRuPay
You earn
Perks & rules
What changed
1 Feb 2026Points on transport spends capped at ₹10,000 spend per cycle for HPCL cards
15 Jan 2026BookMyShow offer now needs ₹25,000 spend in the previous quarter
15 Jan 2026New 1% fees on wallet loads of ₹5,000+ and transport spends over ₹50,000, and 2% on skill-gaming
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asFuel cashback + reward points
Base rate2 points per ₹100 on other spends, in India and abroad
Higher rates
- HPCL fuel: 4% cashback on fuel at HPCL pumps and the HP Pay app, plus 1% surcharge waiver
- Bills, grocery: 20 points per ₹100 on utilities (incl. grocery, telecom, government, tax) and departmental stores
Limits
- Fuel cashback: up to ₹200 a month
- Bills and grocery points: up to 400 points per statement cycle
- Insurance: points only on up to ₹40,000 spend per cycle
Doesn't earn on
- Fuel earns no points; rent, wallet loads, cash advances, fees, EMI, balance transfer and loans on card
Where it landsFuel cashback in the statement; points within 45 business days of the statement
What a point is worth
ValueNot stated as a ₹ figure; the T&C calls 20 points per ₹100 a '5% benefit' (₹0.25 a point)
Expiry36 months from the date issued
Redemption fee₹99 + GST per catalogue redemption
Welcome benefit
Welcome2,000 points if you spend ₹5,000 within 45 days and the joining fee was charged
Milestones
MilestonesNone stated
Airport lounges
Domestic1 a quarter if you spent ₹75,000 in the previous quarter (primary only)
InternationalNone
Fuel
Fuel1% surcharge waiver at HPCL on ₹400–₹4,000 transactions, on top of the 4% cashback
Spending abroad
Forex markup3.5%
Fees
Joining fee₹500 + GST
Annual fee₹500 + GST from the second year
Fee waiverAnnual fee waived on ₹1.5 lakh spend in the year (EMI spends don't count)
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil under ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5%, minimum ₹500
Who can apply
Age21–65 years
Salaried₹20,000 a month
Self-employed₹2.4 lakh a year
More perks
Perks
- 24x7 roadside assistance
- 25% off up to ₹100 on movie tickets at INOX, and on BookMyShow if you spent ₹25,000 the previous quarter
- Extra 1.5% as HP Pay Happy Coins when paying through the HP Pay app
- RuPay variant: personal accident cover up to ₹2 lakh and concierge
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- HPCL Super Saver product page Product page · 2 Oct 2026
- HPCL Super Saver Credit Card T&C Card T&C · 16 Dec 2025
- ICICI Bank Credit Card MITC Fee schedule · 2 Aug 2026
Card image: ICICI Bank's own website.
