SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for fuel, hpcl, and movies, and you want your rewards as simple, no-tracking cashback.
Why it can work
It offers accelerated rewards on fuel spends at hpcl outlets.
Where value may drop
The renewal fee is waived only on Rs 50,000 of annual spend. Rent, wallet loads, and government payments don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback and reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Cashback And Reward Points/yr |
|---|---|---|
| Fuel | Rs 3,000 | 900 |
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
2.5% cashback on fuel spends at hpcl outlets, auto-credited with no points to manage.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on rent, wallet loads, and government payments
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Fuel spends at HPCL outlets | 2.5% cashback |
| Retail spends (excl. fuel) | 2 Reward Points / Rs 100 spent |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Air India Maharaja Club | 6:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- Rent payments
- E-wallet loading transactions
- Government transactions
- Tax payments
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 1% fuel surcharge waiver on fuel transactions up to Rs 4,000 at HPCL petrol pumps
- 25% discount on BookMyShow movie tickets (minimum 2 tickets), capped at Rs 100 twice a month
- At least 15% off at participating restaurants through ICICI Bank Culinary Treats Programme
Additional details
- Minimum fuel transaction of Rs 500 required to earn 2.5% cashback at HPCL pumps
Eligibility
Check this before you apply.
Salaried
- Age: 21 - 65 years
- Minimum net monthly salary: Rs 20,000
Self-employed
- Age: 21 - 65 years
- Minimum annual ITR: Rs 2,40,000
Compare before you decide
Alternatives based on what you might want instead.
ICICI Bank HPCL Super Saver Credit Card
Best for fuel, hpcl, utility bills.
ICICI Bank Coral Credit Card
Best for movies, railway lounge, fuel.
ICICI Bank Coral RuPay Credit Card
Best for upi, movies, railway lounge.