ICICI HPCL Super Saver Credit Card

To apply for the ICICI HPCL Super Saver, you need to submit identity, address, and income proof documents. Most can be uploaded digitally during the online application.

Identity proof requires PAN (mandatory) plus any one of Aadhaar, Voter ID, passport, or driving licence. Address proof can be Aadhaar with current address, recent utility bills not older than 3 months, rental agreement, passport, or driving licence with correct address.

Income proof for salaried applicants includes the last 3 months' salary slips and the last 6 months' bank statement showing salary credits. Self-employed applicants need the last 2 years' ITR with computation, latest 6 months' business bank statement, and proof of business existence.

For existing ICICI customers, the documentation may be partially pre-filled from existing records, speeding up the application process.

The ICICI HPCL Super Saver is built for users who fuel up regularly at HPCL pumps and want strong fuel savings combined with daily essentials rewards. The typical user spends ₹3,000 to ₹8,000 monthly on fuel at HPCL stations, plus ₹10,000+ on grocery and supermarket purchases.

The 6% total fuel savings at HPCL is among the highest in the Indian market. Combined with 5% effective return on daily essentials, the card delivers a blended cashback of 4% to 5% on combined fuel and grocery spends, which is excellent for a ₹500 fee card.

It also works well as a fuel-specific secondary card if you have a primary general-purpose card. For example, pair this with the HDFC Millennia (online cashback) and Axis ACE (utility cashback) to cover the full spending spectrum.

This card is not the right pick if your fuel spending is concentrated at BPCL, Indian Oil, or Reliance/Nayara stations, where the reward structure does not apply. It also is not ideal for users with negligible fuel spending (under ₹2,000 monthly), where general-purpose cards with broader category rewards may deliver more total value.

The credit limit on the ICICI HPCL Super Saver depends on your income, CIBIL score, existing obligations, and ICICI's scoring. For ₹2.4 to ₹6 LPA income profiles, typical starting limits range from ₹50,000 to ₹2,00,000. For higher incomes, limits can reach ₹3,00,000 or more.

ICICI reviews accounts periodically and offers credit limit enhancements after 6 to 12 months of regular usage and timely payments. You can also request an enhancement through ICICI iMobile app or by calling customer care. Enhancements of 20% to 50% are common.

Aim to keep credit utilisation below 30% to maintain CIBIL score. With a ₹1,00,000 limit, target monthly billed amounts of ₹30,000 or less.

Within your overall limit, cash advance limit is usually 20% to 40% of total credit limit, attracting a 2.5% fee with a minimum of ₹500, plus immediate interest accrual.

You can apply for the ICICI HPCL Super Saver through the ICICI Bank website, partner platforms like BankKaro that may offer additional welcome benefits, or by visiting any ICICI branch across India.

The online application via icicibank.com is the most common route. Visit the credit cards page, select HPCL Super Saver, click Apply Now, and fill in PAN, Aadhaar, date of birth, employment type, and monthly income. Upload digital copies of PAN, Aadhaar, latest 3 months' salary slips (for salaried) or last 2 ITR documents (for self-employed), and address proof.

ICICI runs a bureau check followed by internal verification. The initial decision usually comes within 1 to 3 working days, faster than most international banks. If approved, you complete video KYC from your phone in 5 to 10 minutes. The physical card is dispatched within 5 to 10 working days.

For applicants with existing ICICI relationships (savings account, fixed deposit, or other cards), pre-approved offers may be available with simplified application and faster turnaround.