ICICI Bank HPCL Super Saver Credit Card Review: Features, Benefits, and Savings Explained
The ICICI Bank HPCL Super Saver Credit Card is a fuel concentrated credit card designed to maximize savings for frequent drivers on fuel spends. With benefits ranging from cashback on fuel purchases to fee waivers and reward points, this card ensures you save every time you refuel. But how does it fare in real-world usage? Let’s explore its features, benefits, and whether it suits your financial needs.
ICICI Bank HPCL Super Saver Credit Card Benefits
- Cashback on Fuel Purchases:
- Earn 4% cashback on fuel transactions at HPCL outlets when payments are made via the HPCL Pay app.
- Additional 1.5% cashback through ICICI Bank Rewards.
- Fuel Surcharge Waiver:
- Enjoy a 1% waiver on fuel surcharge at HPCL outlets, further enhancing your savings.
- Reward Points:
- Earn 2 reward points for every ₹100 spent on other categories, except fuel.
- Dining Discounts:
- Avail a 15% discount on dining bills at partner restaurants through the Culinary Treats program.
- Lounge Access:
- Complimentary domestic lounge access at select airports in India.
- Annual Fee Waiver:
- Annual fee of ₹500 is waived off if annual spending exceeds ₹150,000.
ICICI Bank HPCL Super Saver Credit Card Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST |
| Interest Rate | 3.5% per month |
| Late Payment Charges | ₹100 to ₹1,200 |
How Much Can You Save?
Here’s an example of potential savings:
- Monthly fuel expense: ₹5,000
- Cashback (4%): ₹200
- Surcharge Waiver (1%): ₹50
Total Monthly Savings: ₹250
Annual Savings: ₹3,000 (excluding rewards and other benefits).
Who Should Get This Card?
This card is ideal for:
- Individuals who frequently refuel at HPCL pumps.
- Users looking for a low-cost credit card with cashback and reward features.
- Those who want airport lounge access without premium fees.
Comparison with Similar Cards
| Card Name | Fuel Cashback | Annual Fee | Additional Benefits |
|---|---|---|---|
| ICICI HPCL Super Saver | 4% + 1.5% | ₹500 | Lounge Access, Dining Offers |
| BPCL SBI Card | 4.25% | ₹499 | Milestone Rewards |
| HDFC Bharat Credit Card | 5% | ₹500 | Cashback on Utility Bills |
Final Verdict: Should You Get It?
The ICICI Bank HPCL Super Saver Credit Card offers substantial savings for frequent drivers, making it a solid choice for those refueling at HPCL outlets. With additional perks like dining discounts and lounge access, it’s a versatile card for everyday use. However, for maximum benefits, ensure you use it primarily for fuel purchases.
FAQs
- What is the ICICI HPCL Super Saver Credit Card annual fee?
The annual fee is ₹500, which is waived off if you spend over ₹150,000 annually. - How can I redeem reward points?
Reward points can be redeemed for shopping vouchers, dining deals, and more via the ICICI Bank Rewards portal. - Is this card valid at non-HPCL fuel stations?
Yes, but the cashback and surcharge waiver apply only to HPCL outlets. - What’s the interest rate on this card?
The interest rate is 3.5% per month on outstanding balances. - Can I use this card for EMI purchases?
Yes, ICICI Bank offers easy EMI conversion on eligible transactions.
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