ICICI Bank HPCL Super Saver Credit Card Review

On availing the ICICI Bank HPCL Super Saver credit card, you get a welcome benefit of 2,000 reward points along with Rs. 100 cashback on the HPCL app. This is subject to two conditions, 

(i) You can avail these welcome benefits on paying the joining fee of Rs. 500.    

(ii) If you spend Rs. 5,000 and above within 45 days of the issuance of the credit card. 

The welcome benefits clearly justify the fee charged as you get the maximum benefit on the joining fee amount. Also, spending Rs. 5,000 within 45 days is not a big deal, thus, the welcome benefits offered on this card are worthy and easy to avail of.

The card offers a decent cashback of 5% on fuel purchases. This, however, is inclusive of a 1% fuel surcharge waiver, thereby you get a cashback of 4%. Also, note that this benefit is limited to fuel spends at HPCL pumps only and not on all fuel spends.

The value back of 5% on utility bills, departmental stores and grocery spends is in the form of reward points and not a value back. Also, on non-fuel retail expenses 2 reward points per Rs. 100 is a very marginal benefit. Thus, the card offers a good cashback on HPCL pumps, but overall, the rewards offered are low.

What keeps the ICICI Bank HPCL Super Saver Credit Card at par with other fuel credit cards is that it offers 24*7 roadside assistance services such as roadside repair, towing of vehicles, taxi services, fuel delivery, lost/locked key arrangement, emergency medical and accommodation assistance, and replacement car arrangement.

The benefits offered by this ICICI Bank credit card, under the Roadside Assistance Service are quite impressive for an entry-level card with a low annual fee of Rs. 500.

• The card offers only one domestic lounge access per quarter, that too when you spend Rs. 5,000 in the previous calendar quarter.
• The card offers a high percentage discount of 25% on INOX and BookMyShow but limits it to maximum Rs. 100. This benefit can be availed only twice a month only on a minimum of two tickets.

Read full details of the ICICI Bank HPCL Super Saver Credit Card here.

You should get the ICICI HPCL Super Saver Credit Card if: 

• You are new to credit cards and looking for a fuel credit card
• You are looking for a fuel credit card with a low annual fee
• You are looking for exclusive benefits at HPCL petrol pumps
• You are looking for a credit card that offers 24*7 Roadside Assistance Services

You should look out for other options if:

• You are looking for a fuel credit card in general, that offers rewards on all fuel spends and is not limited to specific fuel stations
• You are looking for benefits across multiple categories

ICICI HPCL credit card is an entry-level fuel credit card yet offers some exclusive benefits. It justifies itself as an entry-level credit card with very basic benefits across fuel spends, non-fuel expenses and benefits on BookMyShow and INOX but lacks in offering the benefit of unconditioned airport lounge access. 

At the same time, the credit card can offer you the exclusive benefit of automobile-associated privileges. This card is a fuel credit card, yet functions largely as a co-branded credit card with extensive fuel benefits on HPCL fuel stations.

Before opting for this card, it is advisable that you clearly know your requirement of whether you need an entry-level credit card specific to fuel, further specific to HPCL. If you are still doubtful, you can explore other options and make an informed decision.

Suggested Read: 25 Best Credit Cards in India