How to Apply for the ICICI HPCL Credit Card in 2026

The ICICI HPCL Credit Card is a co-branded fuel card that offers 5% cashback on fuel spends at HPCL pumps, 2% on utility bill payments, and 1% on all other spends. The card is targeted at users with a 4-wheeler who fill fuel at HPCL pumps regularly. The annual fee is ₹500, fully waived on ₹50,000 spends.

Why this matters

If you spend ₹5,000/month on fuel at HPCL, the 5% cashback gives you ₹250/month. The 2% on utility bill payments is a useful secondary benefit, and the ₹500 annual fee is recovered in 2 months of cashback. The card pairs well with the Amazon Pay ICICI for online spends.

Related cards

How to Apply for the ICICI HPCL Credit Card in 2026

Common mistakes to avoid

The 5% fuel cashback is only valid at HPCL pumps — fuel at other oil companies earns 0 cashback. The cashback is capped at ₹100 per transaction, so transactions above ₹2,000 will not get the full 5%. The 2% on utility bill payments is restricted to BBPS payments — direct bank debits do not qualify.

Pro tips

• Use the card only at HPCL pumps to maximise 5% cashback
• Use the card for electricity, gas, and water bill payments to chase the 2%
• Split large fuel transactions into smaller ones (under ₹2,000) to maximise the per-transaction cap
• Pair with the Amazon Pay ICICI card for online shopping

Frequently asked questions

What is the annual fee on the HPCL card?

₹500 + GST, waived on ₹50,000 spends in the previous 12 months.

What is the 5% fuel cashback cap?

5% is capped at ₹100 per transaction and ₹1,000 per month.

Is the card valid at non-HPCL pumps?

Yes, but only HPCL pumps earn 5% cashback. Other pumps earn 0% cashback.