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ICICI Bank HPCL Super Saver Credit Card

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

ICICI Bank HPCL Super Saver Credit Card
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
ICICI HPCL Super Saver Credit Card

The typical issues associated with a fuel credit card apply to the ICICI Bank HPCL Super Saver. The overall reward rate was harmed by the high yearly fee waiver spend and low caps on accelerated rewards. To consistently receive cashback on all purchases, we would rather use cashback credit cards like Ace in place of this.
With two benefits, the BoB ENERGIE credit card is a far superior option for HPCL. It has higher fuel reward caps and a cheap yearly fee waiver.

Abhijeet Saxena

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

Fees & Charges
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