ICICI Bank HPCL Super Saver Credit Card

Annual feeJoining fee

₹500 + GST

Fee waiver rule

Fee waived if you spend ₹1.5 lakh.

Add-on card fee

₹199.

Welcome benefit

Get 2,000 reward points

Reward rate

20 Points per ₹100 spent on daily essential spend and 2 on retail spend.

Fuel earning

Fuel savings of 5% comprises of 4% cashback + 1% fuel surcharge waiver (The 4% cashback is capped at ₹200 per month)

Government spend earning

Government payments are among the utilities entitled to 5% benefit as ICICI Bank reward points, subject to the cap

Groceries earning

For every ₹100 spent, you earn 20 ICICI Bank Reward Points.

Reward earning on international spends

Other retail spends (except fuel, utility and departmental store purchase): 2 ICICI Bank reward points on international transactions, and 2 on domestic transactions.

Utilities earning

Entitled to 5% benefit as ICICI Bank reward points on utilities (groceries, telecom, government, tax) and departmental stores, subject to the cap

Reward exclusions

No reward points will be provided for transactions falling under the Cash and Rent categories.

Reward caps

The ICICI Bank reward benefit shall be capped at 400 ICICI Bank reward points per Statement cycle.

Catalogue redemption

Redeem reward points for Health & Beauty, Travel & Luggage, Shopping Voucher, Home Appliances, Electronics, Fashion & Lifestyle.

Voucher and product redemption

Redeem reward points for Shopping Voucher.

Point expiry

Reward points have expiry of 36 months from the date of issuance.

Domestic lounge access

Get 1 Domestic Airport Lounge access quarterly for primary cardholders; you must spend ₹75,000 or more in a calendar quarter.

Concierge

24x7 concierge service: Get round-the-clock assistance (RuPay Variant)

Movie or entertainment ticket benefit

25% off on movie ticket offer worth up to ₹100 on BookMyShow and INOX, twice a month; you must spend ₹25,000 or more within the preceding spends quarter

Minimum spend rules

Joining benefit on payment of the joining fee within 02 statement cycles, provided transactions of ₹5,000 and above are made within 45 days of issuance of the Credit Card

Fuel surcharge waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.

Surcharge on railway tickets

1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher

Add-on card eligibility

Add-on cardholders are the family member (s) of the Primary Cardholder who become Cardholder (s) by virtue of their relationship with the Primary Cardholder.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)

Cash advance fee

2.5% on advanced amount, subject to minimum of ₹500

Cash withdrawal limit

The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements.

Interest on unpaid balance

3.75% per month i.e., 45% per annum.

Interest-free period

18 to 48 days interest-free when you pay in full.

Late payment fee

Ranging from ₹100 to ₹1300.

Over-limit fee

2.50% of the over-limit amount, subject to a minimum of ₹550

Payment return or dishonour fee

Return of cheque or Auto-Debit return: 2% of Total Amount Due (Min. ₹500)

Card replacement fee

₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card

Cash payment / cash deposit fee

A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment

Education / school fee charge

A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)

EMI conversion fee

Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions

Fee on online skill-based gaming spends

A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)

Reward redemption fee

₹99

Wallet load charge

A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)

What the card's fee or benefit year means

Annual Fee waiver from the 2nd Anniversary Year onwards if total spends in the previous Anniversary Year are equal to or more than ₹1,50,000

Fuel transaction fee

A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)

Rent transaction fee

1% fee on transaction amount (Merchant Category Code: 6513)

Utility transaction fee

A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)

GST note

GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges

Grace days after the due date

Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)

Minimum amount due

5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.

Income requirement

A salaried individual with a monthly income of ₹20,000; Self-employed with an annual income of at least ₹2,40,000.

Minimum age

Between the ages of 21-65 years.