ICICI Bank HPCL Super Saver Credit Card Review

ICICI Bank HPCL Super Saver Credit Card Review | The ICICI Bank HPCL Super saver credit card is a new fuel credit card offered by ICICI Bank. There are a few subtle differences from their other HPCL credit cards, like the ICICI HPCL Coral credit card. Everything you need to know about the same is here.

ICICI Bank offers two types of Fuel Payment cards.

1. HPCL Coral Visa Card
2. HPCL Super Saver Credit Card

For those who are just starting out, the ICICI Bank HPCL Super Saver credit card is a good option. With this credit card, you can earn 5% cashback at HPCL fuel stations. In addition to fuel savings, the card offers discounts on utility bills and purchases at department stores. To find out if this card is right for you, check out our full review (ICICI HPCL Credit Card Review).

Although the ICICI HPCL credit card (hpcl credit card icici bank) is a low-cost fuel credit card, it comes with a few unique perks. As an entry-level credit card with basic benefits for fuel and non-fuel purchases, as well as for BookMyShow and INOX, it can be justified; however, the card does not provide free access to airport lounges.

ICICI HPCL Credit Card Review

At the same time, a credit card can give you access to perks associated with automobiles. In many ways, this is a fuel credit card, but the benefits it offers at HPCL fuel stations make it feel more like a co-branded card.

When considering this credit card, it’s important to know exactly what your needs are and whether or not you need an entry-level HPCL-specific card. For those who remain sceptical, there are other options to consider and make an informed choice.

ICICI Bank HPCL Super Saver Credit Card Rewards and Benefits

ICICI HPCL Super Saver Credit Card

The ICICI HPCL Super Saver Credit Card is a newly launched co-branded fuel credit card by the ICICI Bank. But other than fuel, it comes with a host of exclusive advantages, including complimentary lounge access, movie & dining benefits, and many more. To understand its features and hpcl super saver credit card benefits in detail, refer to the information provided below:

HPCL Super Saver Credit Card Welcome Benefits

• You get 2,000 Reward Points as a HPCL Super Saver Credit Card Welcome Benefit on the realization of the membership fee within 2 months of card setup provided that a minimum amount of Rs. 5,000 is spent in the first 45 days.
• A cashback of Rs. 100 is added to the HP Pay app wallet after the first transaction of a minimum of Rs. 1,000 is made using the app.

HPCL Super Saver Credit Card Fuel Transactions

You get a total benefit of 5% of the transaction amount on fuel purchases including a cashback of 4% and a fuel surcharge waiver of 1% at all HPCL filling stations across India.

HPCL Super Saver Credit Card Travel Benefits

You get 1 complimentary domestic lounge access every quarter at major airports across India under the Visa Domestic lounge program. To avail of the complimentary domestic lounge access, you need to spend a minimum of Rs. 5,000 in the previous quarter.

HPCL Super Saver Credit Card Movie and Dining Benefits

• 25% discount (max Rs. 100 per transaction) on movie tickets booked on BookMyShow and Inox movies individually. The benefit can be availed not more than twice a month.
• Exclusive discounts at partner restaurants under the ICICI Bank Culinary Treats Programme.

HPCL Super Saver Credit Card Spends Based Waiver

The annual card membership fee is waived off if Rs. 1.5 lakh were spent in the preceding year.

The ICICI Bank HPCL Super Saver Credit Card offers a spends-based annual fee waiver. This means that if you spend a certain amount of money on your card in a year, the annual fee for the following year will be waived.

The amount you need to spend to qualify for the annual fee waiver is Rs. 1,50,000. This amount must be spent in the anniversary year of your card. For example, if your card’s anniversary date is 1st January, you would need to spend Rs. 1,50,000 between 1st January and 31st December of that year.

If you do not spend Rs. 1,50,000 in the anniversary year, you will be charged the annual fee of Rs. 500. The annual fee will be charged to your card on the first day of the following month.

Here are some things to keep in mind about the HPCL Super Saver Credit Card spends-based annual fee waiver:

• The waiver is only applicable for the annual fee in the following year. You will still be charged the annual fee for the current year, even if you meet the spending requirement.
• The waiver is only applicable for the primary cardholder. If you have add-on cards, you will need to spend Rs. 1,50,000 on each card to qualify for the waiver.
• The waiver is not applicable for the joining fee. You will still need to pay the joining fee of Rs. 500 when you apply for the card.

If you are looking for a credit card that offers an annual fee waiver, the ICICI Bank HPCL Super Saver Credit Card is a good option. You can earn a lot of rewards on your card, and you can get the annual fee waived if you spend enough money.

HPCL Super Saver Credit Card Road Assistance Service

You get a complimentary 24×7 Road Assistance Service (RAS) with HPCL Super Saver credit card including over-the-phone assistance, onsite vehicle repair, replacement/locked or lost keys, flat tyre support, etc.

The ICICI Bank HPCL Super Saver Credit Card offers complimentary 24×7 Roadside Assistance (RSA) services to its cardholders. These services are provided by Allianz Partners, a leading global provider of insurance and assistance services.

The RSA services include:

• On-site roadside repairs
• Towing of the vehicle to the nearest authorized workshop
• Taxi services for the vehicle occupants
• Fuel delivery
• Custody services
• Locked/lost key assistance
• Medical assistance
• Legal assistance

The RSA services are available all over India, 24 hours a day, 7 days a week, including public holidays. To avail of these services, cardholders need to call the Allianz Partners helpline number on 1800 108 0111.

Here are some of the terms and conditions of the RSA services:

• The services are only available to the primary cardholder and the authorized users of the card.
• The services are only available for vehicles that are insured by a valid motor insurance policy.
• The services are only available for vehicles that are not more than 15 years old.
• The services are subject to a maximum claim of Rs. 25,000.

The RSA services are a great benefit for cardholders who frequently travel or who own older vehicles. These services can help to ensure that you are able to get back on the road quickly and safely in the event of a breakdown.

Here are some tips for using the RSA services:

• Keep your credit card handy in case you need to call the helpline.
• Have your vehicle’s registration number and insurance details ready when you call the helpline.
• Be as clear and concise as possible when describing the problem to the helpline representative.
• Follow the instructions of the helpline representative carefully.

ICICI Bank HPCL Super Saver Credit Card Rewards

• You get a cashback of 4% on fuel purchases at all HPCL filling stations. Maximum cashback is capped at Rs. 200 per month, which means you can get a 4% cashback on fuel purchases of up to Rs. 5,000 every month.
• 5% cashback as ICICI Reward points (20 Reward Points per Rs. 100 spent) on utility and departmental store purchases. Maximum Reward POints benefit is capped at 400 Reward points per payment cycle, which means you can get a maximum cashback of Rs. 100 each month on these categories.
• 2 Reward points per Rs. 100 spent for all other domestic and international transactions.

Reward Redemption:

• The Reward points earned can be redeemed for a variety of expenditure categories including gifts, and cashback at a rate of 1 Reward Point = Re. 0.25.
• The Reward Points can be redeemed by contacting the ICICI Bank Credit Card customer care.
• A reward redemption fee of Rs. 99 is chargeable for every reward redemption request.

ICICI HPCL Super Saver Credit Card Charges

The following is the detailed information about the fees and charges of the ICICI Bank HPCL Super Saver Credit Card:

• The joining & annual fee of the ICICI HPCL Super Saver Credit Card is Rs. 500. The annual fee, from the second year onwards, can be waived off if you have spent Rs. 1.5 lakhs or more in the previous year.
• The interest rate on this credit card is 3.4% per month.
• The cash advance fee on the ICICI Bank HPCL Super Saver Credit Card is 2.5% of the withdrawn amount, subject to a minimum of Rs. 300.
• The foreign currency markup fee on this credit card is 3.5% of the transaction amount.

ICICI Bank HPCL Super Saver Card Eligibility Criteria

There are some eligibility requirements that need to be fulfilled by the applicants in order to get approved for the ICICI Bank HPCL Super Saver Card. Following are some basic ones of them:

• The applicant’s age should be more than 21 years.
• The applicant should have a stable source of income.
• The applicant should have a decent credit score.

How To Apply For The ICICI Bank HPCL Super Saver Credit Card?

You can apply for this credit card by visiting the card’s page on ICICI’s website, filling out the online application form, and submitting the required documents. You will need an identity/address proof for KYC and proof of income like salary slips or ITR acknowledgment. Other than this, you can also apply offline by visiting your nearest ICICI Bank branch and filling out the offline application form for the same. Just make sure to take all the required documents with you.

Application Status

If you have already applied for the Super Saver Credit Card, you can check the status of your application as follows:

• Visit the application tracking page of the ICICI Bank, enter the required details, and get the status of your credit card application in seconds.
• You can also contact the ICICI bank credit card customer care and ask them to update you about the status of your credit card application. They might ask you for a few details, just provide them with the required information and get your application status.
• Another way to check the status of your HPCL Super Saver Visa Credit Card application status is to visit your nearest branch and ask the bank officials to update you on the status of your credit card application.

Conclusion:

Considering the fact that it’s an entry-level credit card (annual membership fee being just Rs. 500), the ICICI Bank HPCL Super Saver card offers a very good reward rate of 5% on fuel purchases (4% cashback and 1% surcharge waiver). Apart from the fuel benefits, you also earn ICICI Reward points on all other purchases. On top of this, you get complimentary domestic lounge visits with the Visa Domestic Lounge program. If you frequently use your credit card for fuel purchases, you must consider the HPCL Super Saver credit card by the ICICI bank.

So, that was our take. What’s your opinion on this brand new offering by the ICICI bank? Do let us know in the comments. And if you’re an existing cardholder, feel free to share your experience.