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Features of ICICI Bank HPCL Super Saver Credit Card

  • Fuel Savings: 5% Cashback on Fuel Purchases: Earn 5% cashback (4% cashback + 1% fuel surcharge waiver) on fuel transactions at HPCL pumps when using ICICI Bank POS machines or the HP Pay app. The cashback is capped at ₹200 per month, applicable on fuel spends up to ₹4,000 monthly.
  • Additional 1.5% Reward Points: Get an extra 1.5% back as reward points on fuel purchases made via the HP Pay app at HPCL outlets.
  • Rewards on Everyday Spends: 5% Reward Points on Utilities and Departmental Stores: Earn 20 ICICI Bank Reward Points per ₹100 spent on mobile bills, electricity bills, and departmental store purchases (e.g., Big Bazaar, D-Mart). This is capped at ₹100 worth of reward points per month (400 points).
  • Welcome Benefits: 2,000 Bonus Reward Points: Receive 2,000 reward points upon paying the joining fee (₹500 + GST) within two billing cycles and spending ₹5,000 within 45 days of card issuance. ₹100 Cashback on HP Pay App: Get ₹100 cashback in the HP Pay app wallet on the first fuel transaction of ₹1,000 or more using the app.
ICICI HPCL Super Saver Credit Card
    • Lifestyle Benefits: Movie Ticket Discounts: Avail a 25% discount (up to ₹100 per transaction) on booking at least two movie tickets via BookMyShow or INOX. This benefit is valid twice a month on each platform, credited as cashback within 60 days.
    • Culinary Treats Programme: Enjoy discounts at partnered restaurants through ICICI Bank's exclusive dining program.
    • Travel Benefits: Complimentary Domestic Airport Lounge Access: Get one free lounge visit per quarter by spending ₹35,000 in the preceding calendar quarter. Access requires presenting the card and boarding pass.
    • 24x7 Roadside Assistance (RSA): Complimentary services include on-site repairs, towing, fuel delivery, taxi services, and assistance with lost/locked keys or emergency accommodation.
    • Annual Fee Waiver: The annual fee of ₹500 + GST is waived for the subsequent year if you spend ₹1.5 lakh or more in the previous anniversary year. This excludes rent, government, and education payments.
    • Security Features: Embedded Microchip: The card includes a chip for enhanced protection against counterfeiting and duplication. PIN-Based Transactions: A Personal Identification Number (PIN) is required for in-store transactions, adding an extra layer of security.
    • Digital Convenience: Contactless Payments: Powered by VISA or RuPay, the card supports contactless transactions for quick and secure payments. Online Application and Management: Apply digitally via ICICI Bank's website, iMobile Pay app, or internet banking. HP Pay App Integration: Use the HP Pay app for fuel transactions to maximize cashback and reward points.
    • RuPay Variant Benefits: Some sources indicate the RuPay variant may offer additional perks, such as: Personal Accident Cover: Insurance against accidental death or disability (subject to terms). 24x7 Concierge Services: Assistance with travel bookings, dining reservations, or gift purchases. Note: These benefits are not consistently advertised and may vary. Confirm with ICICI Bank before applying. Practical Utility: If available, these add marginal value but are not the card’s primary draw.
ICICI HPCL Super Saver Benefits

Benefits of ICICI Bank HPCL Super Saver Credit Card

  • Fuel Savings and Cashback: The card’s primary appeal lies in its fuel-related benefits, making it ideal for individuals who frequently refuel at HPCL pumps. Earn a 4% cashback on fuel transactions at HPCL pumps when using ICICI Bank POS machines or the HP Pay app, plus a 1% fuel surcharge waiver, totaling 5% savings. Cap: Limited to ₹200 per month, applicable on fuel spends up to ₹4,000 monthly (₹4,000 x 4% = ₹160 cashback + ₹40 surcharge waiver). Example: Spending ₹4,000 on fuel monthly yields ₹200 in savings, equivalent to roughly 10 liters of free petrol (assuming ₹100/liter). Earn an extra 1.5% back as reward points (6 points per ₹100) on fuel purchases made through the HP Pay app at HPCL outlets. These points can be redeemed for fuel or other rewards, enhancing savings.
  • Rewards on Everyday Spending: The card offers accelerated rewards on common spending categories, making it suitable for daily expenses.
  • Welcome Benefits: The card provides attractive introductory offers to incentivize new cardholders.
      • 5% Cashback on Fuel Purchases: Earn a 4% cashback on fuel transactions at HPCL pumps when using ICICI Bank POS machines or the HP Pay app, plus a 1% fuel surcharge waiver, totaling 5% savings.
      • 1.5% Additional Reward Points via HP Pay App: Earn an extra 1.5% back as reward points (6 points per ₹100) on fuel purchases made through the HP Pay app at HPCL outlets.
      • 5% Reward Points on Utilities and Departmental Stores: Earn 20 ICICI Bank Reward Points per ₹100 spent on mobile bills, electricity bills, and purchases at departmental stores.
      • 2 Reward Points on Other Retail Spends: Earn 2 reward points per ₹100 spent on all retail purchases, excluding fuel, rent, and government-related transactions.
      • 2,000 Bonus Reward Points: Receive 2,000 reward points (worth ₹500) upon paying the joining fee (₹500 + GST) within two billing cycles and spending ₹5,000 within 45 days of card issuance.
      • ₹100 Cashback on HP Pay App: Get ₹100 cashback in the HP Pay app wallet on the first fuel transaction of ₹1,000 or more using the app.
      • 25% Discount on Movie Tickets: Avail a 25% discount (up to ₹100 per transaction) when booking at least two movie tickets via BookMyShow or INOX. Valid twice per month on each platform.
      • Culinary Treats Programme: Access discounts at partnered restaurants through ICICI Bank's exclusive dining program. Discounts vary by restaurant and are typically 15-25% off the bill.
      • Complimentary Domestic Airport Lounge Access: Get one free lounge visit per quarter (4 visits annually) by spending ₹35,000 in the preceding calendar quarter.
      • 24x7 Roadside Assistance (RSA): Complimentary services include on-site vehicle repairs, towing to the nearest garage, fuel delivery (up to 5 liters), taxi services to the nearest city, and assistance with lost/locked keys.
      • Annual Fee Waiver: The annual fee of ₹500 + GST is waived for the subsequent year if you spend ₹1.5 lakh or more in the previous anniversary year (excluding rent, government, and education payments).
      • Contactless Payments: Powered by VISA or RuPay, the card supports tap-and-pay transactions for quick, secure payments up to ₹5,000 without a PIN.
      • Embedded Microchip: Enhances security against counterfeiting and duplication.
      • Digital Management: Track transactions, pay bills, and manage credit limits via the iMobile Pay app or ICICI Bank's internet banking portal.
      • HP Pay App Integration: Simplifies fuel payments and maximizes cashback/rewards at HPCL pumps.
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How to Apply for ICICI Bank HPCL Super Saver Credit Card

  • 1. Online Application
    • Visit www.icicibank.com > "Credit Cards" > "HPCL Super Saver Credit Card" > "Apply Now"
    • Fill in personal, employment, and income details
    • Upload scanned documents (PDF/JPEG, max 5 MB)
    • Submit and track status using application reference number
  • 2. Offline Application
    • Visit an ICICI Bank branch and request the application form
    • Submit self-attested document copies with originals for verification
    • Processing time: 7-21 days
  • 3. Through Customer Care
    • Call ICICI Bank customer care at 1800 1080
    • Express interest in the HPCL Super Saver Credit Card
    • Follow instructions to complete application online or offline
  • 4. Verification and Approval
    • ICICI Bank will verify documents and assess creditworthiness
    • Pre-approved customers may get instant approval
    • New applicants typically approved in 7-14 working days

Eligibility Criteria for ICICI Bank HPCL Super Saver Credit Card

  • 1. Age Requirements
    • Primary Cardholder: 21–60 years
    • Supplementary Cardholder: Minimum 18 years
  • 2. Income Requirements
    • Salaried: Minimum monthly income of ₹20,000 (varies by city)
    • Self-Employed: Minimum annual income of ₹2 lakh as per ITR
  • 3. Credit History
    • CIBIL Score: Minimum 700 or higher preferred
    • No major payment defaults in last 12 months
  • 4. Employment
    • Salaried: Minimum 6 months–1 year with current employer
    • Self-Employed: Minimum 2 years in current business/profession
  • 5. Residency
    • Must be Indian resident with valid address proof
  • 6. Existing Relationship with ICICI Bank
    • Preferred for existing ICICI savings/current account holders or loan customers
  • 7. Document Verification
    • Valid KYC documents like PAN, Aadhaar, address proof, and income proof must be submitted
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Documents Required for ICICI Bank HPCL Super Saver Credit Card

  • 1. Identity Proof (Any One)
    The following government-issued documents are accepted to verify the applicant's identity:
    PAN Card: Mandatory for all credit card applications in India.
    Aadhaar Card: Must be linked to current mobile number for OTP verification.
    Passport: Valid for at least 6 months from application date.
    Voter ID: Issued by Election Commission of India.
    Driving License: Valid license issued by RTO.
    Specifications: Document must be valid and not expired. Name must match application exactly.
  • 2. Address Proof (Any One)
    Documents must show current residential address:
    Aadhaar Card: If address matches delivery address.
    Passport: Must include current address page.
    Utility Bill: Electricity, gas, or landline bill (not older than 3 months).
    Bank Statement: From any bank showing address (last 3 months).
    Rental Agreement: Registered agreement with utility bill if address differs.
    Specifications: Address must match application. For NRIs, Indian address proof required.
  • 3. Income Proof
    Requirements vary by employment type:
    For Salaried Individuals:
    Latest 3 months' salary slips showing monthly income ≥ ₹20,000
    Form 16 for previous financial year
    Last 3 months' bank statement showing salary credits
    For Self-Employed Individuals:
    ITR for last 2 years showing annual income ≥ ₹2 lakhs
    Last 6 months' bank statements
    Business proof (GST registration, shop license, etc.)
    Specifications: Income documents must match declared income. ITR must be acknowledged.
  • 4. Photograph
    Requirement: Recent passport-size photograph (3.5 cm x 4.5 cm).
    Specifications: White background, clear facial visibility, taken within last 6 months.

Factors Considered for ICICI Bank HPCL Super Saver Credit Card Approval

  • 1. Income Level
    Minimum ₹20,000 monthly income for salaried individuals or ₹2 lakh annual income for self-employed.
    Description: Primary factor determining repayment capacity.
    Impact: Higher income increases approval chances and credit limit.
  • 2. Credit Score and History
    CIBIL score of 700+ preferred with no major defaults.
    Description: Indicates creditworthiness and repayment behavior.
    Impact: Low score or defaults may lead to rejection.
  • 3. Existing ICICI Bank Relationship
    Existing customers get preference in approval.
    Description: Demonstrates banking history with ICICI.
    Impact: Strong relationship can offset marginal credit issues.
  • 4. Employment Stability
    Salaried: Minimum 6 months–1 year with current employer.
    Self-Employed: Business operational for 2+ years.
    Description: Ensures income stability.
    Impact: Longer tenure improves approval odds.
  • 5. Debt-to-Income Ratio
    Total monthly obligations should not exceed 50% of income.
    Description: Measures ability to handle additional credit.
    Impact: High ratio may lead to rejection or lower limit.
  • 6. Application Accuracy
    Complete and consistent information.
    Description: Discrepancies raise red flags.
    Impact: Incomplete applications face delays or rejection.
  • 7. Residential Stability
    Longer residence at the current address strengthens the application.
    Description: Indicates stability and reliability.
    Impact: Frequent address changes may raise concerns.
  • 8. Type of Employment
    Preference for salaried individuals with reputed organizations.
    Description: Salaried applicants in government or MNC jobs are viewed as low-risk.

Frequently Asked Questions (FAQs)

1. What is the ICICI Bank HPCL Super Saver Credit Card?
The ICICI Bank HPCL Super Saver Credit Card is a co-branded fuel credit card in partnership with HPCL, offering benefits like 5% cashback on fuel purchases at HPCL pumps, 5% reward points on utilities and departmental stores, movie ticket discounts, complimentary lounge access, and 24x7 roadside assistance. It is ideal for moderate spenders seeking savings on everyday expenses.
2. Who is this card best suited for?
This card is ideal for:
  • Individuals who frequently refuel at HPCL pumps.
  • Moderate spenders (₹10,000–₹20,000/month) on utilities, groceries, and departmental stores.
  • Beginners looking for a low-fee credit card with fuel and travel benefits.
  • Occasional travelers needing lounge access and roadside assistance.
3. What are the eligibility criteria for this card?
  • Age: 21–60 years (primary), 18+ years (add-on)
  • Income: Salaried: ~₹20,000/month (varies by city); Self-Employed: ₹2 lakh/year via ITR
  • Credit Score: Preferably 750+; 700–750 may qualify with strong income
  • Employment: Salaried: 6 months–1 year with a reputed employer; Self-Employed: 2+ years
  • Residency: Must be an Indian resident
4. What documents are required to apply?
  • Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Voter ID, or Driver’s License
  • Address Proof: Aadhaar, recent utility bill, Passport, or rental agreement
  • Income Proof: Salaried: 3 months’ salary slips or bank statements; Self-Employed: Latest ITR or financials
  • Photograph: Recent passport-sized photo (offline)
  • Application Form: Filled and signed (auto-generated for online applications)
5. How can I apply for the card?
  • Online: Visit www.icicibank.com or use the iMobile Pay app. Complete form, upload documents, and do e-KYC/video KYC.
  • Offline: Visit an ICICI Bank branch and submit documents.
  • Customer Care: Call 1800 1080 to initiate the process.
6. How long does the application process take?
  • Pre-Approved Offers: Instant approval with digital card issuance
  • Standard Applications: 7–21 working days depending on document verification
  • Note: Delays may occur due to incomplete documents or mismatches
7. How can I track my application status?
  • Online: ICICI Bank’s tracking page with reference and mobile number
  • App: Use the iMobile Pay app’s “Credit Card Application Status” section
  • Customer Care: Call 1800 1080 with reference number
  • Branch: Visit the branch where you applied
8. What if my application is rejected?
  • Common reasons include low credit score, insufficient income, high debt, or document issues
  • Request feedback from ICICI Bank
  • Improve credit score by paying debts, correcting report errors
  • Reapply after 3–6 months or consider secured cards/entry-level options
9. What is the joining and annual fee for the card?
  • Joining/Annual Fee: ₹500 + GST (₹590)
  • Fee Waiver: Spend ₹1.5 lakh in the previous year to waive next year's fee
  • Add-On Card Fee: ₹100 (one-time)
10. Are there other charges associated with the card?
  • Interest Rate: 3.75%/month (45% annually); 3.5% for EMIs
  • Cash Advance Fee: 2.5% of the amount (min ₹500)
  • Foreign Currency Markup: 3.5% of the transaction
  • Redemption Fee: ₹25 + GST per redemption
  • Late Payment Fee: ₹100–₹1,000 based on outstanding balance

List of ICICI Bank HPCL Super Saver Credit Card Telanagan Branches

  • Hyderabad - Quthbullapur
  • Hyderabad - Raj Bhavan Road
  • Hyderabad - Rajendranagar
  • Hyderabad - Ramachandrapuram
  • Hyderabad - Ramanthapur
  • Hyderabad - Saroornagar
  • Hyderabad - Secunderabad
  • Hyderabad - Serilingampally
  • Hyderabad - Shamshabad
  • Hyderabad - Somajiguda
  • Hyderabad - SR Nagar
  • Hyderabad - Tarnaka
  • Hyderabad - Tellapur
  • Hyderabad - Thiruvanmiyur
  • Hyderabad - Tolichowki
  • Hyderabad - Uppal
  • Hyderabad - Vanasthalipuram
  • Hyderabad - Vengalrao Nagar
  • Hyderabad - Vikarabad
  • Hyderabad - Yapral