ICICI Bank HPCL Super Saver vs BPCL SBI Card OCTANE
BPCL SBI Card OCTANE by ₹100 a year at ₹75,000 a month
IDFC FIRST HPCL Power+ vs ICICI Bank HPCL Super Saver
ICICI Bank
ICICI Bank HPCL Super Saver vs IDFC FIRST HPCL Power+: which should you pick?
HPCL's two co-brands, IDFC's and ICICI's, ₹499 against ₹500 and both waived at ₹1,50,000 of spend. Power+ pays 30X at HPCL pumps, 5% at ₹0.25 a point, on up to ₹12,000 of pump spend a statement cycle, the same 5% on ₹2,000 of grocery and utilities a cycle, and up to 28.7 points per ₹100 on hotels booked in IDFC's app; Super Saver pays 4% cashback at HPCL and the HP Pay app, capped at ₹200 a month, 5% on utilities, groceries, telecom and departmental stores up to 400 points a statement cycle, and 0.5% elsewhere. Super Saver out-earns Power+ at every spend level the page tests, so Power+'s case is a large HPCL fuel bill, which its ₹12,000 ceiling rewards and Super Saver's ₹200 cap does not. Power+ opens one domestic airport lounge visit a quarter on ₹20,000 of the previous month's spend; Super Saver one a quarter.
At every spend from ₹25,000 to ₹5 lakh a month, ICICI Bank HPCL Super Saver beats IDFC FIRST HPCL Power+, and its lead widens from ₹200 to ₹8,200 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: ICICI Bank HPCL Super Saver returns ₹4,200 a year in rewards to IDFC FIRST HPCL Power+'s ₹3,300. IDFC FIRST HPCL Power+ is the better pick if you spend abroad: its forex markup is 0% against 3.5% on ICICI Bank HPCL Super Saver, 3.5 percentage points less on every rupee spent in another currency.
IDFC FIRST HPCL Power+ review ICICI Bank HPCL Super Saver review
Side by side
| Fact | IDFC FIRST HPCL Power+ | ICICI Bank HPCL Super Saver |
|---|---|---|
| Can you get it | Open to apply | Open to apply |
| Fee (joining · annual, + GST) | ₹499/yr✓ Better | ₹500/yr |
| Fee waiver | Spend ₹1,50,000 a year | Spend ₹1,50,000 a year |
| Reward rate on everyday spend | 0.5% | 0.5% |
| Points | IDFC FIRST Reward Points | ICICI Reward Points |
| Our value per point | ₹0.25 † | ₹1.00 † |
| Transfer partners | None | 1✓ Better |
| Lounges it gets you into | 32 of 792 | 69 of 792✓ Better |
| Forex markup | Nil✓ Better | 3.5% + GST |
| Welcome benefit | ₹500 gift voucher on your first HPCL fuel transaction of ₹500 or more within 60 days, plus 5% cashback up to ₹1,000 on the first EMI transaction | 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 |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. ICICI Bank HPCL Super Saver is ahead on 9 of the 11 rows we can call.
More facts 7 rows
| Fact | IDFC FIRST HPCL Power+ | ICICI Bank HPCL Super Saver |
|---|---|---|
| Our rank | #145 | #115✓ Better |
| Our verdict | Keep | Downgrade |
| Lounge visits in India | 1 airport visit/quarter at the 32 rooms on IDFC's own Power+ list, NOT the Visa network | 4/year (1/quarter) at the 71 rooms on ICICI's consolidated domestic list — the annexure names the Master, Visa AND RuPay editions at 1 a quarter each |
| Lounge visits abroad | None | None |
| Forex, in the bank’s words | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions | 3.5% + GST — no HPCL exception; the four named exceptions are Emeralde-family, MakeMyTrip, Times Black and Amazon Pay |
| Interest (APR) | Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment, revised back to 46.2% once the minimum is paid | 3.75%/mo (45%/yr) |
| Income needed (salaried) | not published | ₹20,000+/month (product page eligibility panel) |
† IDFC FIRST HPCL Power+: IDFC's Savings Maximiser prints the rate: 3 Reward Points per ₹150 on ordinary spend at "1 Reward point = ₹0.25", so the base is 2 points per ₹100 and worth 0.5%. That ₹0.25 is the house value exactly — Power+ has no in-app travel tier above it. Ignore the headline "6.5% savings on fuel" — 1.5% of it is HPCL Happy Coins, a different currency entirely.
† ICICI Bank HPCL Super Saver: 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. The earn rate on this page is priced at that lower value.
Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.
What each is worth to you
| Monthly spend | IDFC FIRST HPCL Power+ | ICICI Bank HPCL Super Saver |
|---|---|---|
| At ₹30,000 a month | ₹1,400 | ₹1,700✓ Better |
| At ₹75,000 a month | ₹3,300 | ₹4,200✓ Better |
| At ₹1.5 lakh a month | ₹6,400 | ₹8,500✓ Better |
| At ₹3 lakh a month | ₹12,400 | ₹16,900✓ Better |
| At ₹5 lakh a month | ₹20,000 | ₹28,200✓ Better |
| Pays for itself from | ₹10,000 a month | ₹9,000 a month✓ Better |
On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.
Every spend from ₹25,000 to ₹5 lakh 20 steps
| Monthly spend | IDFC FIRST HPCL Power+ | ICICI Bank HPCL Super Saver | Ahead |
|---|---|---|---|
| ₹25,000 | ₹1,200 | ₹1,400✓ Better | ICICI Bank HPCL Super Saver by ₹200 |
| ₹50,000 | ₹2,200 | ₹2,800✓ Better | ICICI Bank HPCL Super Saver by ₹600 |
| ₹75,000 | ₹3,300 | ₹4,200✓ Better | ICICI Bank HPCL Super Saver by ₹900 |
| ₹1 lakh | ₹4,300 | ₹5,600✓ Better | ICICI Bank HPCL Super Saver by ₹1,300 |
| ₹1.25 lakh | ₹5,400 | ₹7,100✓ Better | ICICI Bank HPCL Super Saver by ₹1,700 |
| ₹1.5 lakh | ₹6,400 | ₹8,500✓ Better | ICICI Bank HPCL Super Saver by ₹2,100 |
| ₹1.75 lakh | ₹7,500 | ₹9,900✓ Better | ICICI Bank HPCL Super Saver by ₹2,400 |
| ₹2 lakh | ₹8,500 | ₹11,300✓ Better | ICICI Bank HPCL Super Saver by ₹2,800 |
| ₹2.25 lakh | ₹9,500 | ₹12,700✓ Better | ICICI Bank HPCL Super Saver by ₹3,200 |
| ₹2.5 lakh | ₹10,400 | ₹14,100✓ Better | ICICI Bank HPCL Super Saver by ₹3,700 |
| ₹2.75 lakh | ₹11,400 | ₹15,500✓ Better | ICICI Bank HPCL Super Saver by ₹4,100 |
| ₹3 lakh | ₹12,400 | ₹16,900✓ Better | ICICI Bank HPCL Super Saver by ₹4,500 |
| ₹3.25 lakh | ₹13,300 | ₹18,300✓ Better | ICICI Bank HPCL Super Saver by ₹5,000 |
| ₹3.5 lakh | ₹14,300 | ₹19,700✓ Better | ICICI Bank HPCL Super Saver by ₹5,400 |
| ₹3.75 lakh | ₹15,200 | ₹21,200✓ Better | ICICI Bank HPCL Super Saver by ₹6,000 |
| ₹4 lakh | ₹16,200 | ₹22,600✓ Better | ICICI Bank HPCL Super Saver by ₹6,400 |
| ₹4.25 lakh | ₹17,200 | ₹24,000✓ Better | ICICI Bank HPCL Super Saver by ₹6,800 |
| ₹4.5 lakh | ₹18,100 | ₹25,400✓ Better | ICICI Bank HPCL Super Saver by ₹7,300 |
| ₹4.75 lakh | ₹19,100 | ₹26,800✓ Better | ICICI Bank HPCL Super Saver by ₹7,700 |
| ₹5 lakh | ₹20,000 | ₹28,200✓ Better | ICICI Bank HPCL Super Saver by ₹8,200 |
How we work out the yearly value
We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.
Before you choose
Transfer partners 0 and 1
IDFC FIRST HPCL Power+'s IDFC FIRST Reward Points cannot be moved to any airline or hotel; ICICI Bank HPCL Super Saver's ICICI Reward Points move to 1.
Only ICICI Bank HPCL Super Saver: Air India Maharaja Club.
Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.
Watch out 6 points
IDFC FIRST HPCL Power+
- 0.5% on everything that is not fuel, grocery, utilities or FASTag — 3 points per ₹150
- The lounge visit is conditional on ₹20,000 of spend in the previous month
- Since 18 Jun 2026 the 25%-off movie discount (up to ₹100, once a month) needs at least one card transaction in the previous calendar month
ICICI Bank HPCL Super Saver
- 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
Common questions 5 answered
Which is better, IDFC FIRST HPCL Power+ or ICICI Bank HPCL Super Saver?
At every spend from ₹25,000 to ₹5 lakh a month, ICICI Bank HPCL Super Saver beats IDFC FIRST HPCL Power+, and its lead widens from ₹200 to ₹8,200 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: ICICI Bank HPCL Super Saver returns ₹4,200 a year in rewards to IDFC FIRST HPCL Power+'s ₹3,300. IDFC FIRST HPCL Power+ is the better pick if you spend abroad: its forex markup is 0% against 3.5% on ICICI Bank HPCL Super Saver, 3.5 percentage points less on every rupee spent in another currency.
IDFC FIRST HPCL Power+ or ICICI Bank HPCL Super Saver: which is worth more at ₹3 lakh a month?
ICICI Bank HPCL Super Saver beats IDFC FIRST HPCL Power+ by ₹4,500 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.
Which costs less to get, IDFC FIRST HPCL Power+ or ICICI Bank HPCL Super Saver?
IDFC FIRST HPCL Power+: ₹499/yr against ₹500/yr. IDFC FIRST HPCL Power+ waives its fee if you spend ₹1,50,000 a year; ICICI Bank HPCL Super Saver waives its fee if you spend ₹1,50,000 a year.
Which gets you into more airport lounges, IDFC FIRST HPCL Power+ or ICICI Bank HPCL Super Saver?
ICICI Bank HPCL Super Saver: 69 of the 792 lounges we track, against 32 for IDFC FIRST HPCL Power+. Visit limits and guest charges differ by card; each card's page lists them.
How current is this comparison?
IDFC FIRST HPCL Power+ was last checked against its bank's own documents on 26 Oct 2026, ICICI Bank HPCL Super Saver on 24 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.
Sources
IDFC FIRST HPCL Power+ was last checked against its bank's own documents on 26 Oct 2026, ICICI Bank HPCL Super Saver on 24 Oct 2026. Every fact above comes from these 11 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 11 sources
- Official IDFC cardholder notice, 13 September 2026 — withdraws the 9 September cut: reward points continue on international transactions "as applicable for the respective cards" read
- Official IDFC cardholder notice, 9 September 2026 — announced international earn would stop on 26 October 2026; withdrawn by the bank's 13 September notice, so it never took effect read
- Official Domestic lounge list — the 32 rooms the quarterly visit can be spent at, addresses and terminals included read
- Official Savings Maximiser — every earn rate and every category cap, stated exactly read
- Official Product page — the ₹499 fees, the ₹1,50,000 fee reversal and the lounge spend condition read
- Official Travel & Shop T&C — 26.7% hotel and 13.3% flight bonus, effective 18 June 2026 read
- Official Bank-wide MITC (reissued 9 Sep 2026) — ₹499 joining and annual, NIL forex markup, and no fuel-surcharge waiver read
- 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 read
- 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 read
- Official MITC (last updated 9 Oct 2026) — a single ₹500 a year, fee reversal at ₹1,50,000; 3.50% forex mark-up with no HPCL exception read
- Official ICICI RuPay lineup — names "ICICI Bank HPCL Super Saver RuPay Credit Card" as a live variant read