ICICI Bank · Entry
ICICI HPCL Super Saver
Where it ranks across all 187 cards
#31 Utility bills
1.0%
direct
#82 Groceries
1.0%
direct
#45 EMI
0.5%
direct
#60 Insurance
0.5%
direct
#64 Education
0.5%
direct
#88 Jewellery & watches
0.5%
direct
#93 Gaming
0.5%
direct
#103 Mobile / broadband
0.5%
direct
#112 Train tickets
0.5%
direct
#118 Cabs & transit
0.5%
direct
#124 Health & pharmacy
0.5%
direct
#127 Other
0.5%
direct
#128 Electronics
0.5%
direct
#130 Flights
0.5%
direct
#130 Hotels
0.5%
direct
#132 Movies & events
0.5%
direct
#135 Online shopping
0.5%
direct
#135 Food delivery
0.5%
direct
#135 Fashion
0.5%
direct
#138 Dining out
0.5%
direct
Get an email if this card changes - sign in.
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
0.50%base rate
2 pts / ₹100
source
Source: ICICI HPCL Super Saver Credit Card - icicibank.com - read 25 Sep 2026
20 pts / Rs100 on utility, grocery and department store spend
5.00%this rule
20 pts / ₹100
how it works & source
Bank copy also calls this benefit '5% cashback' but redemption is through the standard ICICI Reward Points catalogue; no separate bank-published point value was found.
Source: ICICI HPCL Super Saver Credit Card page - icicibank.com - read 25 Sep 2026
4% cashback on fuel at HPCL pumps / HP Pay (plus 1% surcharge waiver)
4.00%this rule
4% cashback
how it works & source
Only at HPCL fuel pumps and on the HP Pay app; this cashback is separate from the ICICI Reward Points program.
Source: ICICI HPCL Super Saver Credit Card page - icicibank.com - read 25 Sep 2026
No points on other fuel spends
0.00%this rule
0 pts / ₹100
source
Source: ICICI Credit Card MITC (bank PDF) - icicibank.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on2 exclusions
Rent
earns nothing
Rent payments (MCC 6513) earn no reward points, for all ICICI credit cards.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: ICICI Credit Card MITC (bank PDF) - icicibank.com - read 25 Sep 2026
Wallet load
earns nothing
E-wallet reload transactions earn no reward points.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: ICICI Credit Card MITC (bank PDF) - icicibank.com - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.