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ICICI Bank · Visa

HPCL Super Saver ICICI Bank Credit Card

Up to 6.5% value back on HPCL fuel, plus 5% on utility and grocery spends

2.5/5
Best for fuel plus household bills at a low fee
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
Min. income
₹3,00,000/yr
Min. credit score
720+
Check your eligibility

On ICICI Bank’s secure site. Checking eligibility is a soft enquiry.

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.

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

ChargeAmount
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 markup3.50% + GST on the markup
Fuel surcharge waiverYes, 1% (capped)
Finance charge if you revolveTypically 3.5%/month — about 42% a year

Data as of 15 Aug 2026Source: icicibank.comPending issuer verification

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.

Is the fee worth it for you?

Put in your actual spending. The calculator works out the net value after the fee and its GST — the number that decides whether this card pays you or costs you.

₹1,000₹50,000₹50 L
01.5%15
₹0₹2,500₹1 L
₹0₹2,500₹5 L
₹0₹0₹2 L
Net value per year (ongoing)
₹6,050
  • Rewards + perks75%
  • Fee25%
Annual spend
₹6,00,000
Rewards earned
₹9,000
Annual fee incl. 18% GST
₹2,950
Net value in year 1
₹8,550
Effective return on spend
1.01%
Monthly spend to break even
₹16,389

What this means.A genuine 1.01% return. Remember the GST on the annual fee — most comparisons forget it, and it is 18% on top of the sticker fee.

Compare with

Worth knowing.Effective reward rate is our own blended estimate for a typical spend mix — not the accelerated rate an issuer advertises on one category. Annual fees are shown before the 18% GST that is charged on top. Verify current terms on the issuer’s site before applying; card terms change without notice.