HomeBusinessHPCL Super Saver Credit Card: Unlocking Fuel Savings and Beyond

HPCL Super Saver Credit Card: Unlocking Fuel Savings and Beyond

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Introduction

The HPCL Super Saver Credit Card stands out as a unique financial instrument that not only offers the convenience of credit but also provides substantial benefits in the form of fuel savings and other perks. In this comprehensive overview, we’ll delve into the key features, benefits, and steps to make the most of the 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).

Joining Fee Rs. 500
Annual Fee Rs. 500
Welcome Benefit 2,000 reward points
Cashback  5% cashback on all fuel spends at HPCL fuel pumps
Reward Points 2 reward points on every Rs. 200 spent on retail spends*

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 Bank HPCL Super Saver Credit Card
  • ICICI Credit Cards
  • ICICI HPCL Credit Card Review

ICICI HPCL Credit Card Review

TRANSACTION TYPE REWARDS MAX. CAP
Fuel Spends & HP Pay 5% Cashback Rs.200/m
Utility, grocery & departmental store 5% (as points) Rs.100/m (400 Points)
Other Spends 0.5% (as points)
HP Pay Fuel Spends 1.5% (as points, additional)

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

Welcome Benefits 2,000 Reward Points on realization of membership fee within 2 months and expenditure of a minimum of Rs. 5,000 within the first 45 days of card set up; Rs. 100 cashback on HP Pay app on first transaction of Rs. 1,000 or above made via the app.
Movie & Dining 25% discount (max Rs. 100 per transaction) on movie tickets booked on BookMyShow and Inox movies individually, dining benefits under the ICICI Bank Culinary Treats Program
Rewards Rate 4% cashback on fuel purchases at all HPCL stations, 5% cashback as Reward points on utility and departmental store purchases, 2 Reward points per Rs. 100 spent for all other domestic and international transactions.
Reward Redemption The earned Reward Points can be redeemed against cashback or various other options at a rate of 1 Reward Point = Rs. 0.25 (25 Paisa)
Travel Complimentary domestic airport lounge access under Visa Domestic Lounge Program
Domestic Lounge Access 1 complimentary domestic airport lounge access every quarter under Visa Domestic Lounge Program
Zero Liability Protection Cardholder not liable for any unauthorized transaction made post the time of reporting the loss of card. However, for transactions made prior to the time of reporting, the liability lies solely with the cardholder.

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.
ICICI Bank HPCL Super Saver Credit Card

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.

1. Understanding the HPCL Super Saver Credit Card

The HPCL Super Saver Credit Card is a co-branded credit card offered in collaboration with Hindustan Petroleum Corporation Limited (HPCL). This card is designed to cater to the needs of individuals who frequently spend on fuel, offering significant savings and additional privileges beyond traditional credit cards.

2. Key Features of HPCL Super Saver Credit Card

  • Fuel Benefits: One of the standout features is the attractive fuel surcharge waiver at HPCL fuel stations, making it an ideal choice for those who often find themselves at the pump.
  • Reward Points: Earn reward points on every transaction, including fuel purchases, which can be redeemed for a variety of rewards such as gift vouchers, merchandise, or even statement credit.
  • Welcome Offers: Many HPCL Super Saver Credit Cards come with enticing welcome offers, including bonus reward points, discounts, or cashback on meeting the specified spending criteria within the initial months.
  • Milestone Benefits: Cardholders may enjoy additional benefits or bonus rewards upon reaching certain spending milestones, encouraging card usage and loyalty.

3. Application Process for HPCL Super Saver Credit Card

  • Online Application: Visit the official website of the credit card issuer or the bank offering the HPCL Super Saver Credit Card. Fill in the required details, submit the necessary documents, and await approval.
  • Offline Application: Alternatively, one can visit a local branch of the issuing bank to fill out a physical application form. Provide the required documents, and the bank representatives will guide you through the process.
  • Eligibility Criteria: Typically, applicants need to meet certain eligibility criteria, including age, income, and credit score requirements. Ensuring you meet these criteria increases the likelihood of approval.

4. Benefits Beyond Fuel Savings

  • Dining Discounts: Many HPCL Super Saver Credit Cards offer enticing discounts at partner restaurants, making it an excellent choice for food enthusiasts.
  • Travel Privileges: Some variants of the card provide travel-related benefits, including airport lounge access, discounted flight tickets, or complimentary travel insurance.
  • Shopping Discounts: Avail discounts and special offers at partner retail outlets, both online and offline, enhancing the overall shopping experience.

5. Tips for Optimizing HPCL Super Saver Credit Card Usage

  • Fuel Efficiency: To maximize fuel savings, use the card consistently at HPCL fuel stations and keep an eye on promotional offers.
  • Reward Redemption Strategy: Understand the reward points system and strategically redeem them for maximum value, whether in the form of statement credit, merchandise, or other offerings.
  • Payment Discipline: Timely payment of credit card bills is crucial to avoid late fees and maintain a positive credit history, potentially leading to increased credit limits and better offers.

6. Additional Information – Chart

 

A pie chart can visually represent the distribution of expenses among various categories, highlighting the percentage spent on fuel, dining, travel, and other segments. This chart aids cardholders in understanding their spending patterns and optimizing card usage for maximum benefits.

In conclusion

The HPCL Super Saver Credit Card combines the utility of a credit card with the added advantage of fuel savings and diverse perks. By understanding its features, optimizing usage, and staying mindful of payment discipline, cardholders can unlock a range of benefits beyond the pump, making this card a valuable financial tool.

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