ICICI HPCL Super Saver Credit Card (2026) Review

The ICICI HPCL Super Saver is a fuel-and-household card from ICICI Bank on the Visa network, rated 2.5 out of 5 on our published formula. It is best for fuel plus household bills at a low fee.

Our verdict

A cheaper alternative to the BPCL Octane if your fuel spend is moderate. The 5% on utilities and groceries is what makes the ₹500 fee easy to justify. If your spending is broader than fuel and utilities, a flat-rate card from our best cashback credit cards list will usually beat it.

At a glance

Joining fee	₹500
Annual fee	₹500 + GST
Fee waived at	₹1,50,000 annual spend
Effective return	2.0%
Forex markup	3.50%
Lounge access	4 domestic · 0 international
Minimum income	₹3,00,000/yr
Minimum credit score	720+

Updated 15 Aug 2026 · issuer rate card, icicibank.com

How we scored it

Credsir rating	2.5/5
Rewards	2.0
Fees	4.9
Perks	0.4
Accessibility	4.3

Rewards carry 40% of the weight, perks 25%, fees 20% and accessibility 15%. The score is computed from the fields above, not assigned. See the full method on our methodology page.

What works, what does not

What works

Low annual fee with an easily met waiver
Covers both fuel and everyday utility spending
Includes lounge access at this price point

What does not

Top rate requires using the HP Pay app
Caps apply on the accelerated categories

The full cost

Charge	Amount
Joining fee	₹500
Annual fee	₹500
GST on annual fee (18%)	₹90
Total annual cost	₹590
Fee waiver threshold	₹1,50,000 annual spend
Forex markup	3.50% + GST on the markup
Fuel surcharge waiver	Yes, 1% (capped)
Finance charge if you revolve	Typically 3.5%/month — about 42% a year

Updated 15 Aug 2026 · icicibank.com

Worth knowing

The 18% GST on the annual fee is the number most comparisons quietly omit. A ₹2,500 card actually costs ₹2,950 a year. Factor that in before deciding whether the rewards clear the bar. The same arithmetic applies here: the sticker fee is ₹500, the real cost is ₹590.

Compare with

Card	Rating	Effective return	Annual fee
SBI Cashback Credit Card	3.2/5	4.2%	₹999
Tata Neu Infinity HDFC Bank Credit Card	3.2/5	2.8%	₹1,499
HDFC Bank Millennia Credit Card	2.8/5	2.4%	₹1,000

Fees above are shown before the 18% GST that is charged on top. Effective reward rate is our own blended estimate for a typical spend mix — not the accelerated rate an issuer advertises on one category.

The rest of the issuer’s range, and the loan and deposit products it is priced against, sit on our ICICI Bank page. Verify current terms on the issuer’s site before applying; card terms change without notice.