ICICI Bank HPCL Super Saver Credit Card

Lounge access

• 1 complimentary domestic airport lounge access per quarter, unlocked by spending ₹75,000 in the preceding calendar quarter (spends in the previous calendar quarter unlock access for the subsequent calendar quarter).
• Present/swipe the card at the participating lounge to avail access.
• Lounge access valid for up to 3 hours per visit.

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Forex markup

Foreign currency transactions markup of 3.50% (a refund initiated by the customer on similar Foreign Currency transactions also attracts a 3.5% mark-up fee).

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Super Saver) · 2026-08-03 · source

Charge

• Finance charges: 3.75% per month (45% p.a.) on retail and cash advances (w.e.f. Nov 15, 2024).
• Add-on/Supplementary card fee: ₹199 per annum (w.e.f. Nov 15, 2024).
• Card replacement fee: ₹100 (₹200 w.e.f. July 1, 2024).
• Cash advance transaction fee: 2.5% of advanced amount, min ₹500.
• Dynamic Currency Conversion fee: 1% currently, rising to 3.5% w.e.f. Jan 15, 2026.
• Rent Pay: 1% of transaction (MCC 6513).
• Fuel transaction fee: 1% on fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
• Utility transaction fee: 1% on utility payments exceeding ₹50,000 (w.e.f. Nov 15, 2024).
• Transportation transaction fee: 1% on transactions exceeding ₹50,000 (w.e.f. Jan 15, 2026).
• Education payment fee: 1% on education payments via third-party apps (w.e.f. Nov 15, 2024).
• Skill-Based Gaming: 2% of transaction amount (w.e.f. Jan 15, 2026).
• Wallet Load: 1% on wallet load of ₹5,000 or more (w.e.f. Jan 15, 2026).
• Over-limit charges: 2.50% of over-limit amount, min ₹550.
• Fee on cash payment at branches: ₹100 per transaction (₹150 w.e.f. Jan 15, 2026).
• Late payment charges: None below ₹100.
• ₹100 (₹100-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (above ₹50,000).
• Return of cheque / Auto-Debit return fee: 2% of Total Amount Due (min ₹500) plus ₹50 + GST.
• GST at 18% applicable on all fees, interest, surcharge and other charges.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Super Saver) · 2026-08-03 · source

Interest-free period

• Interest-free period ranges from 18 to 48 days, with a grace period of 3 days after the payment due date.
• No interest-free period applies if the Total Amount Due is not paid by the payment due date plus 3 days grace.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Super Saver) · 2026-08-03 · source

Fuel surcharge waiver

• 4% cashback on fuel purchases at HPCL fuel pumps (capped at ₹200 per month, no minimum spend threshold) PLUS 1% fuel surcharge waiver at HPCL outlets (transaction between ₹400 and ₹4,000).
• Additional 1.5% cashback as 6 Happy Coins per ₹100 spent via HP Pay App on fuel purchases at HPCL retail outlets.
• Benefit applies to spends at HPCL fuel pumps only.

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Milestone benefit

• BookMyShow offer (w.e.f. Jan 15, 2026): enjoy the BookMyShow offer by spending ₹25,000 or more in the preceding quarter.
• The cycle repeats every quarter.
• ICICI Bank HPCL Credit Card (all variants) is eligible for this offer.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Super Saver) · 2026-08-03 · source

Redemption value

• Redemption Handling Fee of ₹99 (plus GST) per redemption request under the ICICI Bank Rewards Scheme.
• For ICICI Bank Rewards powered by ICICI Bank Rewards scheme: ₹99 for catalogue-based redemptions.
• Reward points have an expiry of 36 months from the date of issuance.
• Reward points credited to rewards account within 5 working days.
• Accrued points lapse upon card cancellation.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Super Saver) · 2026-08-03 · source

Reward cap

• Utility/departmental store benefit capped at 400 ICICI Bank reward points per statement cycle.
• Insurance spends capped at ₹40,000 per statement cycle (w.e.f. Nov 15, 2024).
• Transportation transactions capped at ₹10,000 reward points accrual per statement cycle (w.e.f. Feb 01, 2026).

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers HPCL Super Saver) · 2026-08-03 · source

Reward exclusion

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Concierge

24X7 Concierge Service (only valid on RuPay variants) for gift and flower delivery, restaurant referrals, car and limousine rentals, courier services, golf reservations, movie ticket sourcing assistance, IT returns filing and investment consultations, lost passport, luggage service and hospital admission agreement, available at 1800-26-78729.

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Travel benefit

• 24x7 roadside assistance for one vehicle during card validity, including phone assistance, on-site repair, replacement/lost keys, flat tyre support, battery jumpstart/replacement, fuel delivery (up to 5 litres), towing (breakdown/accident/incorrect fuelling), customer conference calling and taxi support (up to 50 km).
• Applicable only for Primary Cardholders on payment of joining/annual fee.
• Not available if annual fee is waived off as per minimum spends criteria.

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Insurance

• Personal Accident Cover of up to ₹2 lakh (valid only on RuPay variants).
• Claim intimation within 90 days of accident to Tata AIG (general.claims@tataaig.com & rupay@tataaig.com).

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Eligibility

You must be between the ages of 21-65 years to be eligible to apply for the ICICI Bank HPCL Super Saver Credit Card.

Verified · ICICI Bank HPCL Super Saver Credit Card product page · 2026-08-03 · source

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/hpcl-super-saver.

Verified · ICICI Bank HPCL Super Saver Credit Card product page · 2026-08-03 · source