Question 1

What is the annual fee on the HPCL Super Saver Credit Card and how do you get it waived?

Accepted Answer

The HPCL Super Saver Credit Card charges ₹500 plus GST as a joining fee and the same ₹500 again at renewal. ICICI Bank waives the renewal fee if you spend ₹1.5L in the previous year, which is about ₹12,500 a month. If your card spend sits below that, treat ₹500 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the HPCL Super Saver Credit Card?

Accepted Answer

You earn 20 points per ₹100 on Daily Essential Spend. Everything else earns 2 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 2000 points, roughly ₹500, which is about 5% back. The accelerated rate stops after ₹2,000 of spend in a month.

Question 3

Does the HPCL Super Saver Credit Card give free airport lounge access?

Accepted Answer

The HPCL Super Saver Credit Card gives 1 complimentary domestic lounge visits a year. There is no prior spend requirement on paper, though ICICI Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the HPCL Super Saver Credit Card recently and is it still worth it in 2026?

Accepted Answer

ICICI reward exclusions; BookMyShow offer now needs ₹25k/quarter spend. The changes are dated Dec 2025; Apr 1, 2026. At ₹1.5L of yearly spend the card returns roughly ₹750 at its general rate of about 0.5%, against a ₹500 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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HPCL Super Saver Credit Card

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