How to Apply for the ICICI HPCL Credit Card in 2026
Apply for the ICICI HPCL Credit Card and earn 5% cashback on fuel spends at HPCL pumps. Eligibility, fees, and the application process.
Jiyan Kazi
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
Related card
ICICI Hpcl
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
Written by
Jiyan Kazi
Editorial disclosure
Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.