ICICI Bank HPCL Super Saver Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
ICICI Bank HPCL Super Saver Credit Card
Bank Name :
ICICI Bank
Type :
Fuel Credit Card
Interest Rate :
3.50% per month (42% annualised)
Eligibility :
Age: 21 to 65 years old
Employment: Salaried or self-employed with a stable income
Credit score: Minimum credit score of 750 or above
Credit history: Demonstrated stable credit history
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Pros
Additional 1.5% back (in reward points) on all fuel purchases through the HP Pay app at HPCL outlets.
Complimentary 24x7 Road Side Assistance (RSA) services.
Complimentary domestic airport lounge access.
Personal accident cover.
Joining benefit of 2,000 Reward points on activation and fee payment and Rs.100 cash back on HP Pay App.
5% back (in reward points) on utility, grocery and departmental store purchases.
25% discount on movie ticket bookings upto Rs. 100 per transaction.
Cons
Low spending caps:
Fuel: You only get the 5% cashback on the first Rs. 5,000 of monthly fuel spend. This means after that, the effective cashback rate drops significantly.
Groceries and utilities: The 4% cashback applies to a combined limit of Rs. 2,000 spent on groceries, departmental stores, and utilities.
Pros & Cons
Welcome Benefits
Joining benefit of 2,000 Reward points on activation and fee payment and Rs.100 cash back on HP Pay App.
Rewards System
2 Reward points per Rs. 100: On all other retail purchases excluding fuel, departmental stores, and utility bills.
1RP=Rs. 0.25.
Effective Cashback rate: Fuel: Up to 5.5% cashback (4% + 1.5% points) on HPCL fuel purchases.
Mobile, electricity, department stores: Up to 5% cashback (5 points = Rs. 1.25).
Other retail: Up to 0.5% cashback (2 points = Rs. 0.50).
International Forex Markup
Foreign Currency Mark-up Fees: 3.5%.
Welcome Benefits and Reward System
Special Features
24*7 roadside assistance
Eligibility Criteria
Age: 21 to 65 years old
Employment: Salaried or self-employed with a stable income
Credit score: Minimum credit score of 750 or above
Credit history: Demonstrated stable credit history
Benefits
5% Cashback: Earn a flat 5% cashback on all fuel purchases made at HPCL pumps, irrespective of the transaction amount. This cashback is capped at Rs. 200 per month.
1.5% Reward Points: Additionally, earn 1.5% reward points on each Rs. 100 spent on HPCL fuel purchases. These points can be redeemed for various rewards like flights, merchandise, vouchers, and more.
2 Reward Points per Rs. 100: Earn 2 Reward Points on all retail purchases except fuel, departmental stores, and utilities.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the ICICI Bank website: https://www.icicibank.com/personal-banking/cards/credit-card/hpcl-super-saver
Fill in the online application form with accurate details.
Upload required documents like PAN card, Aadhaar card, proof of address, and income proof.
Submit the application and wait for a response.
Post-application:
You will receive a notification about the application status via email or SMS within a few days.
If approved, your card will be delivered to your registered address within 7-10 business days.
Contact Details
1800 1080
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Additional 1.5% back (in reward points) on all fuel purchases through the HP Pay app at HPCL outlets.
Complimentary 24x7 Road Side Assistance (RSA) services.
Complimentary domestic airport lounge access.
Personal accident cover.
Joining benefit of 2,000 Reward points on activation and fee payment and Rs.100 cash back on HP Pay App.
5% back (in reward points) on utility, grocery and departmental store purchases.
25% discount on movie ticket bookings upto Rs. 100 per transaction.
Low spending caps:
Fuel: You only get the 5% cashback on the first Rs. 5,000 of monthly fuel spend. This means after that, the effective cashback rate drops significantly.
Groceries and utilities: The 4% cashback applies to a combined limit of Rs. 2,000 spent on groceries, departmental stores, and utilities.
HDFC Bank Biz Power Credit Card
The card is a premium credit card with a number of value add features. This card offers cashback on even tax and GST payment. Overall it is a must have card for small business owners/ freelancers.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining Fee – Rs 500 + Goods and Services Tax (GST)
Annual Fee (second year onwards) - Rs 500* + GST (can be waived on spends of Rs 1,50,000 per year)
Supplementary Card Fee - Rs 100
Overdue interest on extended credit and cash advances - 3.50% per month (42% annualised).
The late payment fee depends on the outstanding amount at the time of payment:Between Rs. 5,001 to Rs. 10,000: Rs. 750
Between Rs. 10,001 to Rs. 25,000: Rs. 900
Between Rs. 25,001 to Rs. 50,000: Rs. 1,000
More than Rs. 50,000: Rs. 1,200
Foreign Currency Mark-up Fees: 3.5%.
Fuel Surcharge
You can get a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000. This means the maximum waiver you can receive per transaction is Rs. 40.
Billing Cycle
30 Days