ICICI Bank HPCL Super Saver
DowngradeFour lounge visits a year, bought with a fuel card.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 2,000 ICICI Bank Reward Points (₹500 at this card's ₹0.25) — released only after ₹5,000 of spend within 45 days of issuance, credited two statement cycles later
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹9,000 a month
At ₹9,000 a month — ₹1,08,000 a year — on the everyday mix this card returns ₹500 gross (earn ₹500) against its ₹500 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #170
Why #170 A fuel card that happens to open a lounge door four times a year — ranked for the door, priced honestly on the 0.5% everything else earns.
This card's own T&C settles the ₹0.25 without needing a second document. Clause IV says the daily-essentials tier is a "5% benefit as ICICI Bank reward points" and then defines it as "20 points on every ₹100 spent" — 20 points called 5% of ₹100 is ₹0.25 a point, stated by ICICI's arithmetic rather than ours. The ₹1.00 house value is Emeralde Private Metal's iShop travel rate; nothing on this card reaches it. earn.base bakes the haircut in.
The take
Filed under fuel, and that is exactly why it nearly missed this board. Look at what it actually hands a traveller: one domestic lounge visit every quarter, four a year, for a ₹500 fee that waives at ₹1.5 lakh of spend. That is the same lounge shape as the Coral half of urban India carries, on a card most people never think of as a travel product. The rest is a fuel argument and a good one — 5% back at HPCL pumps and on HP Pay, decomposed as 4% cashback capped at ₹200 a month plus the 1% surcharge waiver, with another 1.5% in Happy Coins if you pay through the app. Then the arithmetic bites. Everything outside fuel and the daily-essentials tier earns 2 Reward Points per ₹100, and this card's own terms price those points at ₹0.25 — so 0.5%, the bottom of the board. The 20-points-per-₹100 essentials rate looks spectacular until you read the 400-point monthly cap: ₹100 a month, ₹1,200 a year, and you hit it on ₹2,000 of groceries. Forex is the full 3.5%. Buy it if you fill a tank every week and want the lounge chair thrown in; do not buy it to earn points. Downgrade.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹500/yr at stake · 5 spend bands
The charge ₹500/yr
The waiver ₹1,50,000 of spend in the year before renewal — about ₹12,500 a month — and the renewal fee is not charged.
Break-even ₹9,000 a month — ₹1,08,000 a year — is where this card's value crosses its fee.
At your spend
₹1,400 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹2,800 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹5,600 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹16,900 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹28,200 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
ICICI Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 10 Sep 2026 ICICI's September lounge list drops four doors and adds Bhogapuram issuer-wide
- 29 Aug 2026 ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 1 domestic lounge visit every quarter — 4 a year, on a ₹500 fuel card
- 5% back on HPCL fuel: 4% cashback (₹200/month cap) + 1% surcharge waiver
- Another 1.5% as Happy Coins when you pay through the HP Pay app
- 2,000 Reward Points on joining, and the ₹500 fee waives at ₹1.5L of spend
- RuPay variant is UPI-linkable and adds a ₹2 lakh personal-accident cover and 24x7 concierge
Watch out
- 0.5% on everything outside fuel and essentials — the points redeem at ₹0.25, not ₹1
- The 20x essentials tier is capped at 400 Reward Points a statement cycle: ₹100 a month
- Lounge access needs ₹75,000 of spend in the PREVIOUS calendar quarter, primary cardholder only
- 3.5% forex — the wrong card to take out of the country
- Fuel earns cashback but zero reward points, and only at HPCL
- The joining bonus is conditional: ₹5,000 of spend inside 45 days, paid two statement cycles later
What these points actually fly
ICICI Reward Points move to Air India Maharaja Points and iShop (ICICI travel portal) — and those price every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
10 sourced rules · 4 pay zero
The card's own T&C (last updated 16 Dec 2025) is the authority on the 5% accelerator and its 400-point ceiling; the consolidated MITC (2 Aug 2026) adds the one cap unique to this card, ₹40,000 of insurance spend a statement cycle. Base earn is 2 RP per ₹100.
- Fuel · excluded Earns NO reward points — "Fuel transactions done using the Credit Card" is on the T&C's non-qualifying list. What it earns instead is 4% cashback capped at ₹200 a month, plus a 1% surcharge waiver on ₹400–₹4,000, and both are HPCL-only.
- Rent & property management · excluded Zero on every ICICI card (MCC 6513), plus a 1% rent-pay fee
- Wallet loads · excluded Zero under the MITC's E-Wallet Reload exclusion; the T&C separately strikes HP Pay app wallet loads out of the fuel-surcharge waiver
- Utilities (electricity/water/gas) · capped 20 RP per ₹100 vs 2 RP per ₹100 base — a 5% accelerator, but the T&C caps the whole accelerated bucket at 400 reward points a statement cycle, which is ₹100 of value a month and no more. Utility spend above ₹50,000 a cycle also draws a 1% fee.
Does your spend count toward the fee waiver?
not published — and we say which
₹1,50,000 a year is the bar that waives the ₹500 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. ICICI Bank states what the ICICI Bank HPCL Super Saver earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹1,50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
69 of 793 tracked doors
Gate: ₹75k prior-calendar-quarter spend
Opens 69 of 793 tracked lounge doors across 40 airports — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
per the official ICICI Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Fee ₹500 a year. ICICI's Key Fact Sheet runs three fee columns — joining (1st year), annual (1st year) and annual (2nd year onwards) — and the middle one reads Nil, so the joining charge IS year one. Reversed on ₹1,50,000 of preceding-year spend. This card carries its OWN insurance reward cap of ₹40,000 per statement cycle rather than sharing the Coral tier's table, and sits in the ₹10,000 transportation-spend row w.e.f. 1-Feb-2026. Fuel earns no reward points — it is absent from the fuel exception list (Parakram, Parakram Select, MakeMyTrip, HPCL Coral Amex) — and is paid in 4% cashback capped at ₹200/month instead, plus the 1% surcharge waiver on ₹400–₹4,000. BookMyShow offer gated on ₹25,000 of preceding-quarter spend w.e.f. 15-Jan-2026.
per the official ICICI Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 10 Sept 2026ICICI's September lounge list drops four doors and adds Bhogapuram
- 29 Aug 2026ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 6 Aug 2026MaxCoins' full transfer catalogue surfaces — Accor at 2:1 re-prices the coin to ₹1.08
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme
- 2 Aug 2026Flipkart SuperCoins into Maharaja Club improve to 2:1
Every ICICI Bank change we've dated → 10 events since 2019, 7 of them nerfs — worst year 2026.
Verified against ICICI Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Product page — a single ₹500 a year (waived at ₹1.5L), 20 RP/₹100 on daily essentials and 2 on retail, 1 domestic lounge a quarter, 3.5% forex
- official Card T&C (last updated 16 Dec 2025) — the daily-essentials tier is a "5% benefit" paid as "20 points on every ₹100", which prices a Reward Point at ₹0.25
- official MITC (last updated 2 Aug 2026) — a single ₹500 a year, fee reversal at ₹1,50,000; 3.50% forex mark-up with no HPCL exception
- official ICICI RuPay lineup — names "ICICI Bank HPCL Super Saver RuPay Credit Card" as a live variant