ICICI HPCL Super Saver Credit Card – Complete Guide to Features & Benefits

Amit, a software engineer, had a monthly routine of paying his utility bills and stocking up on groceries for his family. Every month, he spent around ₹8,000 on electricity, water, and internet bills and another ₹10,000 on groceries.

Recently, he started using his ICICI HPCL Super Saver Credit Card for these expenses. With its 5% cashback offer on utility bills and grocery purchases, he earned ₹400 cashback on utility bills and ₹500 on groceries. In total, he saved ₹900 in a month. Over a year, this added up to ₹10,800, enough to cover a month’s worth of groceries or an extra family outing.

With every swipe, Amit wasn’t just spending—he was saving. His everyday expenses now came with rewarding benefits, making his budgeting easier and more efficient.

HPCL Super Saver Credit Card Overview

The HPCL Super Saver Credit Card is ideal for those who regularly refuel their vehicles at HPCL petrol stations. It offers attractive cashback and reward points on fuel purchases and benefits on other spending categories like groceries and utilities. This card aims to provide significant savings for users who prioritise fuel expenses in their monthly budgets.

Key Highlights of HPCL Super Saver Credit Card

Benefits of HPCL Super Saver Credit Card

1. Fuel Cashback

Riya had always been conscious of her spending, especially regarding fuel. With rising prices, she often calculated how much she could save on her monthly budget. 

The ICICI HPCL Super Saver Credit Card caught her attention with its offers: 4% cashback on fuel purchases at HPCL petrol stations and an additional 1.5% cashback when using the HP Pay app. It seemed like the perfect solution for someone like her, who loved to travel but also wanted to keep her finances in check.

Example: If you spend ₹5,000 on fuel in a month, you can earn ₹200 as cashback, substantially saving over time.

2. Reward Points on Other Purchases

In addition to fuel cashback, the card offers 2 Reward Points for every ₹100 spent on all other categories, including shopping, dining, and entertainment. This allows cardholders to accumulate points that can be redeemed for various rewards.

Example: If you spend ₹10,000 on groceries, you will earn 200 Reward Points, which can be redeemed for discounts or vouchers.

3. Utility and Grocery Cashback

The card provides 5% cashback on utility bills and grocery purchases, subject to a cap. This feature encourages users to use the card for essential monthly expenses, enhancing its value.

Drawback: The cashback on utilities and groceries may be capped at a specific limit, which could limit the benefits for high spenders in these categories.

4. Welcome Benefits

Upon activating the card, Riya received 2,000 reward points, which she could redeem for discounts or vouchers. This initial bonus had already made her feel she was getting more value from her spending.

5. Insurance Coverage

The HPCL Super Saver Credit Card also includes complimentary insurance coverage for cardholders, providing peace of mind in unforeseen events. This coverage can consist of personal accident insurance and other benefits.

ICICI HPCL Super Saver Credit Card Cashback & Rewards

Riya also appreciated that the card offered 5% cashback on utility bills and grocery purchases. This feature encouraged her to use the card for essential monthly expenses, further enhancing its value.

Reward Points Breakdown

• Fuel Purchases: 4% cashback at HPCL petrol stations.
• Other Purchases: 2 Reward Points for every ₹100 spent.
• Utility and Grocery Purchases: 5% cashback (subject to a cap).

ICICI HPCL Super Saver Credit Card Fees & Other Charges

The HPCL Super Saver Credit Card has an annual fee of ₹500, which can be waived if the cardholder spends ₹50,000 in a year. This makes it accessible for users who are likely to meet the spending requirement.

Other Charges

• Late Payment Fee: ₹100 to ₹1,000 depending on the outstanding amount.
• Cash Withdrawal Fee: 2.5% of the withdrawn amount, with a minimum of ₹500.
• Foreign Transaction Fee: 3.5% of the transaction amount.

ICICI HPCL Super Saver Credit Card Late Payment Fee Applicable

The HPCL Super Saver Credit Card imposes a late payment fee that varies based on the outstanding amount. Cardholders must make timely payments to avoid these fees, which can accumulate quickly.

ICICI HPCL Super Saver Credit Card Late Payment Fee Structure

ICICI HPCL Super Saver Credit Card Pros & Cons

Pros of HPCL Super Saver Credit Card

1. High Fuel Cashback: 4% cashback on fuel purchases at HPCL petrol stations.
2. Reward Points on Other Categories: Earn 2 Reward Points for every ₹100 spent on non-fuel purchases.
3. Utility and Grocery Cashback: 5% cashback on utility bills and grocery purchases.
4. Waivable Annual Fee: The annual fee can be waived with a minimum spending requirement.
5. Insurance Coverage: Complimentary insurance coverage for added security.

Cons of HPCL Super Saver Credit Card

1. Limited to HPCL: The fuel cashback is only applicable at HPCL petrol stations, which may not be convenient for all users.
2. Caps on Cashback: The cashback on utilities and groceries may be capped, limiting potential savings for high spenders.
3. Annual Fee: While waivable, the annual fee may be a drawback for infrequent users.
4. Foreign Transaction Fees: The card incurs a foreign transaction fee, which may deter international travellers.

Eligibility Criteria for ICICI HPCL Super Saver Credit Card

To apply for the ICICI HPCL Super Saver Credit Card, you must meet certain eligibility criteria

1. Age: Minimum age of 21 years and maximum age of 65 years.
2. CIBIL Score: A minimum credit score of 750 is generally required.
3. Income: A minimum annual income of ₹3 lakh is generally required.

Required Documents to Apply for ICICI HPCL Super Saver Credit Card

When applying for the ICICI HPCL Super Saver Credit Card, you will need to submit the following documents:

1. Identity Proof: Aadhar card, passport, voter ID, or any government-issued ID.
2. Address Proof: Utility bill, rental agreement, or any document with your current address (not older than three months).
3. Income Proof: Salary slips, bank statements, or income tax returns (ITR) for self-employed individuals.
4. Photograph: Recent passport-sized photograph.

How to Apply for HPCL Super Saver Credit Card

Applying for the HPCL Super Saver Credit Card can be done through various channels, making it convenient for potential cardholders. Here’s a step-by-step guide on how to apply:

1. Online Application

Step 1: Visit the ICICI Bank Website

• Open your web browser and go to the official ICICI Bank website.

Step 2: Navigate to the Credit Card Section

• On the homepage, locate the "Cards" option in the top menu.
• Click on it to open a dropdown menu.
• Select "Credit Cards" from the list.

Step 3: Find the HPCL Super Saver Credit Card

• You will be redirected to the credit card overview page.
• Scroll down to browse the available credit card options.
• Locate the "HPCL Super Saver Credit Card" and click on it to access detailed information about features, benefits, and applicable fees.

Step 4: Start the Application Process

• On the HPCL Super Saver Credit Card details page, click on the "Apply Now" button.
• This will take you to the application form.

Step 5: Enter Personal Details

• You will need to provide the following information:
  • Mobile Number – Ensure it's active, as it will be used for verification.
  • PAN Card Number – Mandatory for identity and financial verification.
  • Employment Type – Choose the relevant option:
    • Salaried
    • Self-Employed
    • Business Owner

Step 6: Proceed to the Next Stage

• After entering the required details, click on "Continue" to move forward in the process.

Step 7: Complete the Application Form

• Fill in additional sections, including:
  • Personal Information: Full name, date of birth, gender, etc.
  • Contact Details: Residential address, email ID, etc.
  • Professional Information: Employer name, job designation, work address, etc.
  • Financial Information: Monthly income, any existing financial liabilities, etc.

Step 8: Upload Required Documents

You will need to provide scanned copies or clear images of the following:

• Identity Proof: Aadhaar card, Passport, Voter ID, or Driving License.
• Address Proof: Utility bills (electricity, water), rental agreement, or any official document confirming your residence.
• Income Proof:
  • For Salaried Individuals: Recent salary slips (last 3 months) or bank statements showing salary deposits.
  • For Self-Employed/Business Owners: Latest Income Tax Returns (ITR), bank statements (last 3 months), or business financial statements.

Step 9: Review and Submit Your Application

• Double-check all the details you’ve entered to ensure accuracy.
• Agree to the terms and conditions by selecting the required checkbox.
• Click on the "Submit" button to complete your application.

Step 10: Confirmation & Next Steps

• After submission, you will receive an on-screen acknowledgement confirming your application.
• A confirmation SMS or email will be sent to the contact details provided.
• ICICI Bank will review your application and may contact you for additional verification if required.
• Once approved, your HPCL Super Saver Credit Card will be dispatched to your registered address within a few working days.
  
  

Important Points to Remember

• Ensure Accuracy: Double-check all details before submission to prevent delays.
• Clear Documentation: Uploaded files should be sharp and legible.
   

1. Stay Updated: Keep your contact details active for communication regarding your application status.

This process ensures a smooth and hassle-free experience while applying for the HPCL Super Saver Credit Card from ICICI Bank.

2. Offline Application

• Visit a Branch: You can also apply by visiting the nearest ICICI Bank branch.
• Request an Application Form: Ask for the application form for the HPCL Super Saver Credit Card.
• Fill Out the Form: Complete the form with accurate details and attach the necessary documents.
• Submit the Form: Hand over the completed form and documents to the bank representative.

3. Customer Care

If you have any queries or need assistance, you can contact ICICI Bank’s customer care. They can guide you through the application process and provide information on the status of your application.

Tips for New Users of the ICICI HPCL Super Saver Credit Card

If you’re considering applying for the ICICI HPCL Super Saver Credit Card, here are some tips to help you maximise its benefits:

1. Utilize the HP Pay App

Make sure to download and use the HP Pay app for your fuel purchases. This will allow you to earn an additional 1.5% cashback on top of the 4% you already receive from the card. It’s a simple way to increase your savings.

2. Track Your Spending

Keep an eye on your spending habits. Use the card for fuel, groceries, and utility bills to maximise your cashback and reward points. Regularly check your statements to ensure you’re making the most of your card.

3. Redeem Reward Points Wisely

Take advantage of the reward points you accumulate. Redeem them for discounts on future purchases, dining experiences, or even travel. The more you use your card, the more points you’ll earn, so plan your redemptions strategically.

4. Participate in the Culinary Treats Programme

Explore the ICICI Bank Culinary Treats Programme to find restaurants that offer discounts. This can enhance your dining experience while saving you money. Always check for participating restaurants before making a reservation.

5. Stay Informed About Offers

Keep an eye on promotional offers and seasonal discounts that may be available through the card. ICICI Bank often runs special promotions that can provide additional savings or rewards.

6. Pay Your Bills on Time

Avoid late payment fees by setting reminders for your bill payments. Paying on time not only helps you maintain a good credit score but also ensures you continue to enjoy the benefits of your card without incurring extra charges.

7. Use for Everyday Purchases

Don’t limit the card to just fuel purchases. Use it for groceries, shopping, and dining to maximize your cashback and rewards. The more you use the card, the more benefits you’ll reap.

Conclusion

The HPCL Super Saver Credit Card is an excellent choice for individuals who frequently purchase fuel and want to maximise their savings through cashback and rewards. With its attractive fuel cashback, rewards on other purchases, and utility cashback, it caters well to the needs of regular fuel users. 

However, potential applicants should consider the limitations, such as the cap on cashback and the requirement to use HPCL for fuel purchases.

By understanding the features, benefits, and drawbacks of the HPCL Super Saver Credit Card, you can make an informed choice that aligns with your financial habits and lifestyle needs.

FAQs Related to ICICI HPCL Super Saver Credit Card

1. What is the annual fee for the HPCL Super Saver Credit Card?

The annual fee for the HPCL Super Saver Credit Card is ₹500, which can be waived if you spend ₹50,000 in a year.

2. What are the cashback benefits of the card?

You can earn 4% cashback on fuel purchases at HPCL petrol stations and 5% cashback on utility bills and grocery purchases (subject to a cap).

3. How can I redeem my reward points?

Reward points can be redeemed for discounts, vouchers, or other rewards as specified by the card issuer.

4. Is there a cap on the cashback I can earn?

Yes, the cashback on utilities and groceries may be capped, which could limit the benefits for high-spenders in these categories.

5. What insurance coverage does the card provide?

The card offers complimentary insurance coverage for cardholders, including personal accident insurance and other benefits.

6. Can I apply for the card if I have a low credit score?

A good credit score (typically above 750) is preferred for approval. If your score is lower, it may affect your chances of getting the card.

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