HPCL Super Saver Credit Card – Fuel Savings, Cashback, Rewards & Benefits

Key Takeaways 

• The HPCL Super Saver Credit Card is ideal for individuals who spend frequently on fuel and daily essentials.
   
• It offers attractive savings through cashback, reward points, and annual fee waivers.
   
• In addition, it provides lifestyle benefits such as movie discounts, lounge access, dining offers, and insurance cover.
   

The HPCL Super Saver Credit Card is designed to make fuel spending more rewarding while also offering lifestyle privileges. It combines cashback, reward points, and value-added services, making it a smart choice for those who spend frequently on fuel and essentials.

For example, imagine you refuel your car regularly at HPCL petrol pumps. With this card, you not only save 5% on fuel but also earn reward points that can later be redeemed for shopping, travel, or even electronics. Over time, these savings add up and give you extra value on expenses you would have made anyway.

In this blog, we will explore the key benefits, fees, eligibility, rewards, and overall advantages of the HPCL Super Saver Credit Card to help you decide whether it is the right fit for your needs.

Key Highlights of HPCL Super Saver Credit Card

The HPCL Super Saver Credit Card comes with a range of valuable features designed to maximise your savings and provide everyday benefits. Below are the key highlights of the card at a glance:

With these features, the HPCL Super Saver Credit Card not only helps you save more on fuel.

Benefits of HPCL Super Saver Credit Card

The HPCL Saver Credit Card offers a range of valuable benefits that make everyday spending more rewarding and convenient. With features designed to save you money, enhance your lifestyle, and provide peace of mind, this card is a smart choice for regular fuel users and frequent travellers.
 

• Reward Points – Earn 2,000 reward points as a welcome benefit.
   
• Fuel Savings – Save 5% on all your fuel spends at HPCL petrol pumps and on the HP Pay app.
   
• Roadside Assistance – Get round-the-clock roadside assistance in case of vehicle breakdowns.
   
• Movie Discounts – Enjoy 25% off, up to ₹100, on movie tickets at BookMyShow and INOX, twice every month.
   
• Lounge Access – Avail 1 complimentary domestic airport lounge access each quarter upon meeting the spending criteria.
   
• Concierge Service – Access 24x7 concierge services (RuPay variant) for travel, dining, and lifestyle support.
   
• Insurance Cover – Stay protected with a personal accident insurance cover (RuPay variant).
   
• Dining Privileges – Get attractive discounts with the Culinary Treats Programme.

With these benefits, the HPCL Saver Credit Card not only helps you save on essential expenses but also enhances your travel, dining, and entertainment experiences. It truly combines savings with lifestyle advantages.

HPCL Super Saver Credit Card Cashbacks and Rewards

The HPCL Super Saver Credit Card allows you to earn reward points effortlessly on your daily spends and redeem them for a wide range of lifestyle and shopping benefits. With this card, every purchase brings you closer to savings and rewards.

How You Earn Points:
 

• Daily Essential Spends – Earn 20 reward points on every ₹100 spent.
   
• Retail Purchases – Earn 2 reward points on every ₹100 spent.

How You Redeem Points:

You can redeem your accumulated reward points for a variety of options, including:
 

• Health & Beauty products
   
• Travel & Luggage items
   
• Shopping Vouchers
   
• Home Appliances
   
• Electronics
   
• Fashion & Lifestyle products

The HPCL Super Saver Credit Card ensures that your everyday spending is both rewarding and flexible, turning your purchases into savings and lifestyle privileges.

HPCL Super Saver Credit Card Fees and Other Charges

The HPCL Super Saver Credit Card comes with simple and transparent charges. By understanding these fees, you can manage your card more effectively and maximise its value.

Key fees:
 

• Joining Fee – ₹500 + GST
   
• Annual Fee – ₹500 + GST (waived off for the next year if you spend over ₹1.5 lakh in a year)
   
• Forex Mark-up – 3.5% on international transactions
   
• ATM Withdrawals – 3.75% interest per month
   
• If Only Minimum Due is Paid – 3.75% interest per month
   
• Late Payment Fee – Ranges from ₹100 to ₹1,300 depending on the outstanding amount
   
• Other Charges – Please refer to the Most Important Terms & Conditions (MITC) for a detailed list of applicable charges

The HPCL Super Saver Credit Card keeps its charges straightforward while also rewarding responsible usage through annual fee waivers. By managing payments on time, you can enjoy the benefits of the card without unnecessary costs.

HPCL Super Saver Credit Card Pros and Cons

Pros:
 

• Attractive fuel savings with 5% cashback at HPCL petrol pumps and on the HP Pay app.
   
• Reward points on daily essentials and retail purchases.
   
• Annual fee waiver on spending over ₹1.5 lakh in a year.
   
• Access to domestic airport lounges each quarter upon meeting the spend criteria.
   
• Movie discounts twice a month on BookMyShow and INOX.
   
• 24x7 concierge service (RuPay variant) for travel, dining, and lifestyle support.
   
• Personal accident insurance cover available (RuPay variant).
   
• Dining offers through the Culinary Treats Programme.

Cons:
 

• Joining and annual fee of ₹500 + GST (if annual spend condition is not met).
   
• High interest rate of 3.75% per month on cash withdrawals and unpaid dues.
   
• Forex mark-up of 3.5% on international transactions, which is higher than some premium cards.
   
• Complimentary lounge access is limited to once per quarter.
   
• Rewards on retail purchases are relatively low (2 points per ₹100) compared to other spend categories.
   

Eligibility Criteria for HPCL Super Saver Credit Card

To apply for the HPCL Super Saver Credit Card, you must meet certain eligibility requirements. These criteria ensure that the card is offered to individuals with a stable financial profile.

Who Can Apply:
 

• An Indian citizen aged 21 years or above.
   
• A salaried individual with a minimum monthly income of ₹20,000.
   
• A self-employed individual with an annual income of at least ₹2,40,000.
   

By meeting these criteria, applicants can enjoy the benefits of the HPCL Super Saver Credit Card and make their daily spending more rewarding.

Required Documents to Apply for HPCL Super Saver Credit Card

When applying for the HPCL Super Saver Credit Card, you need to provide valid documents to verify your identity, address, and income. Submitting the correct paperwork ensures a smooth and hassle-free approval process.

Documents Needed:
 

• Identity Proof
   
• Address Proof
   
• Income Proof
   

With these essential documents, you can complete your application and start enjoying the benefits of the HPCL Super Saver Credit Card.

How to Apply for the HPCL Super Saver Credit Card?

Applying for the HPCL Coral Credit Card is a simple and convenient process that can be completed online through the official ICICI Bank website. By following these steps, you can submit your application quickly and hassle-free.

Step 1: Visit the official website of ICICI Bank.

Step 2: Click on the Cards option. From there, select Credit Cards and then choose the income range of ₹2.5L to ₹4L.
 

Step 3: From the list, locate the HPCL Super Saver Credit Card.
 

Step 4: Click on the Apply button displayed below the card.
 

Step 5: You will be redirected to a new page where you must fill in all the required details and then submit your application.
 

Step 6: Once submitted, the bank will review your application and inform you of the status.

Applying online saves both time and effort, allowing you to start enjoying the benefits of the HPCL Coral Credit Card without delay.

Conclusion

The HPCL Super Saver Credit Card is a well-rounded option for individuals who spend regularly on fuel and everyday essentials. With attractive cashback, reward points, lifestyle privileges, and annual fee waivers, it offers both savings and convenience. While charges such as high interest rates and forex mark-up should be considered, the card remains a smart choice for those seeking value on fuel and daily expenses.

FAQ’s
 

1. Can I use the HPCL Super Saver Credit Card at non-HPCL petrol pumps?
Yes, you can use the card at any petrol pump, but the maximum cashback benefits are applicable only at HPCL outlets and through the HP Pay app.

2. Will my annual fee be waived automatically if I cross the ₹1.5 lakh spend threshold?
Yes, once your annual spending crosses ₹1.5 lakh, the fee waiver is automatically applied for the following year. You do not need to raise a separate request.

3. Do I earn reward points on fuel transactions as well?
Yes, fuel transactions at HPCL outlets also earn you cashback and reward points, making it one of the key highlights of this card.

4. Can I convert large purchases into EMIs with this card?
Yes, the HPCL Super Saver Credit Card allows you to convert high-value transactions into easy monthly instalments, subject to bank terms and conditions.

5. How soon can I redeem my reward points after earning them?
Reward points are credited to your account shortly after the transaction is settled, and you can redeem them once they reflect in your rewards balance, typically within a billing cycle.