ICICI
HPCL Super Saver
Mid-tier card · 4/year domestic lounge (quarterly cap) · fee waiver achievable around ₹1.5L annual spend · 3.5% forex markup.
Strong for lounge access (1/quarter) · Weak for high forex (3.5%)
Good for
- Airport lounge users
Not ideal for
- International spenders
Spend context
- Estimated monthly rewards: ~₹830/month (base rewards)
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹500
Lounge
1/quarter (domestic)
Forex
3.5%
Not a low-forex card (3.5%).
Reward rate
10 pts/₹150
Above median base earn (1.7% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- 1/quarter
- International visits
- 4/year
International Use
- Forex markup
- 3.5%
- Product tier
- Mid-tier
Fees
- Annual fee
- ₹500
- Joining fee
- ₹500
- Fee waiver spend
- ₹1,50,000 Below catalog median waiver (₹3,00,000 vs ₹1,50,000).
Rewards
- Points per ₹150
- 10 pts
- Point value
- ₹0.25
- Effective earn
- 1.7% (at stated point value)
Similar cards
Similar fee and benefit profile