ICICI

HPCL Super Saver Credit Card

Good for everyday spend that earns rewards.

Should you get this?

Usually skip

Verified

Why this card

  • Low annual fee of ₹500.
  • Published base rewards of 10 pts / ₹150.
  • Published lounge access: 1 per quarter · ₹75,000 spend in the previous calendar quarter.
Issuer evidence · 4 sources →

Trade-off

The annual fee (₹500) is waived only when eligible annual spend reaches ₹1,50,000.

Annual fee ₹500 per year
Rewards 10 pts / ₹150
Lounge access 1 per quarter · ₹75,000 spend in the previous calendar quarter
Forex markup 3.5% high
Compare with Axis Bank IndiGo →

Similar tier comparison

What it costs to get, and to keep

Joining vs renewal

First year

₹500joining fee

From year 2

₹500renewal fee

Waived above ₹1,50,000 eligible annual spend

Welcome offer

2,000 ICICI Bank reward points joining benefit

ICICI Bank Reward Points

Qualification and fulfilment conditions apply

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend10 pts / ₹150Credited as reward points—
HPCL (domestic)4%—₹200 per month

How to avoid the annual fee

Spend threshold for waiver
₹1.5L or more yearly eligible spend to waive the annual fee

Annual fee is ₹500. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

10 points per ₹150 on eligible spend

Point value

Not published by issuer — varies by redemption

Realisation

Credited as reward points

Reported reward terms

Evidence · not used in rates or comparisons

Reported category terms

Departmental Stores · Grocery · Utilities
10 points per ₹150Domestic & international
Departmental Stores
20 points per ₹100Domestic & international

Reported by secondary sources · verify with issuer1 other source

Evidence only · excluded from decisions

Costs & fees

Eligibility

Applicant class · age · income

Reported criteria · as stated by sources

Salaried applicant

Monthly income
Above ₹20,000

Issuer-stated · not yet decision-readyIssuer source

Self-employed applicant

Annual personal income
₹2,40,000 or more

Issuer-stated · not yet decision-readyIssuer source

Evidence only · excluded from decisions

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹1,50,000yearAnnual fee waiver
Domestic lounge spend gate₹75,000quarterLounge eligibility

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.
  • Reward point value isn't clearly documented yet, so overall returns may vary.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (10 pts / ₹150). Up to ~3,330 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • We can estimate the points earned, but not a verified ₹ value yet.
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
1 per quarter · verified 6 Jul 2026 Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
International (cardholder)
Not included on base card No international lounge access.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
ICICI domestic airport lounge list , opens external site

Rewards

Base earn
10 points per ₹150 value depends on redemption
Fees & charges

Fees

Monthly interest rate
3.75% / month
First-year cost
₹500 · verified 3 Sept 2026
Annual fee
₹500
Joining fee
₹500 · verified 3 Sept 2026
Fee waiver spend
₹1,50,000 or more · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend of ₹1,50,000 or more.
Interest-free period
Up to 48 days · verified 7 Jul 2026
Late-payment charge
₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹4,000.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
SIDE BY SIDE
ICICI Bank HPCL Super Saver
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Axis Bank IndiGo
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ICICI Bank HPCL Super Saver
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ICICI Bank HPCL Super Saver
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ICICI Bank HPCL Super Saver
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HDFC Bank Tata Neu Infinity RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • HPCL cashback cap: ₹200 per month.
  • After the HPCL cashback cap is reached, further spends earn the base rate.

Exclusions

These spends do not earn reward points.

Financial

  • Fuel

Utilities

  • Utilities

Other

  • Departmental store purchase

Latest update

  • First-year cost: ₹500.
  • Annual fee: ₹500.
  • Forex markup currently listed at 3.5%.
  • 1 per quarter domestic lounge · ₹75,000 spend in the previous calendar quarter.

Common questions

From verified card facts

Is this good for lounge access?

1 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies on eligible annual spend of ₹1,50,000 or more. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

2,000 ICICI Bank reward points joining benefit. Included items: ICICI Bank Reward Points — Joining benefit §I: credited after 2 statement cycles when joining fee is paid and retail spends of ₹5,000+ occur within 45 days of issuance. Primary cardholder only; applies only on cards charged a joining fee. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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Last refreshed 11 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.