IDBI Bank HPCL SuperSaver Credit Card

Select your profession

Salaried

Business

Doctor

NRI

School

College

Student

Enter Pincode

Personal Details

Features of IDBI Bank HPCL SuperSaver Credit Card

Fuel-Centric Reward Structure: The IDBI Bank HPCL SuperSaver Credit Card is tailored for individuals who frequently spend on fuel, offering a robust reward system for transactions at Hindustan Petroleum Corporation Limited (HPCL) fuel stations. Cardholders can earn up to 5% cashback on fuel purchases made at HPCL pumps when using the card through the bank’s POS machines or the HP Pay app. This cashback includes a 4% direct discount and a 1% fuel surcharge waiver, capped at ₹200 per month, making it ideal for those with regular commuting needs. Additionally, an extra 1.5% cashback in the form of reward points is credited for fuel transactions made via the HP Pay app, enhancing savings for digital-savvy users.
Accelerated Rewards on Everyday Spending: Beyond fuel, the card provides accelerated rewards on essential spending categories such as utility bills, grocery purchases, and departmental store transactions. For every ₹100 spent in these categories, cardholders earn 20 reward points, equivalent to a 5% value-back, capped at 400 points per billing cycle (₹100 equivalent). This feature ensures that routine expenses like electricity bills, mobile recharges, and grocery shopping yield significant returns, making the card a practical choice for managing household budgets.

- Complimentary Roadside Assistance: A standout feature is the complimentary 24x7 roadside assistance (RSA) service, designed to support cardholders during vehicle-related emergencies. This service includes on-site repairs for minor issues like flat tires or dead batteries, towing to the nearest authorized workshop, fuel delivery, and assistance with lost or locked keys. The RSA also offers emergency accommodation and taxi services, ensuring peace of mind for frequent travelers or those reliant on personal vehicles.
- Airport Lounge Access: The card grants one complimentary domestic airport lounge visit per quarter, provided the cardholder spends ₹35,000 in the preceding quarter. This perk allows access to premium lounges offering amenities like gourmet meals, Wi-Fi,警方, and comfortable seating, adding a touch of luxury to travel. The spending threshold ensures the benefit is achievable for regular users, enhancing the card’s appeal for occasional travelers.
- Movie Ticket Discounts: Cardholders enjoy a 25% discount (up to ₹100 per transaction) on movie tickets when booking a minimum of two tickets via BookMyShow or INOX, available twice a month on each platform. This feature caters to entertainment enthusiasts, offering savings on leisure activities and making the card versatile for lifestyle expenses.
- Joining and Annual Fee Structure: The card comes with a joining fee of ₹499 + GST and an annual fee of ₹499 + GST, which can be waived if the cardholder spends ₹1.5 lakh annually. This spend-based waiver is achievable for moderate spenders, making the card cost-effective. The fee structure is competitive for a fuel-focused credit card, balancing affordability with premium benefits.
- Reward Points on Retail Purchases: For non-fuel retail purchases, the card offers 2 reward points per ₹100 spent, excluding fuel transactions. Each reward point is valued at ₹0.25, providing a 0.5% return on general spending. Points can be redeemed for fuel at HPCL pumps or through IDBI Bank’s rewards catalog for merchandise and vouchers, offering flexibility in reward utilization.
- Embedded Chip Security: The card features an embedded microchip for enhanced security, reducing the risk of counterfeiting and duplication. Transactions at merchant outlets require a PIN, adding an extra layer of protection, while online transactions are PIN-free for convenience. This ensures safe and secure usage across various platforms.
- Dining Discounts via Culinary Treats: Through IDBI Bank’s Culinary Treats Programme, cardholders receive exclusive discounts at partner restaurants across India. This feature enhances the card’s lifestyle appeal, offering savings on dining experiences at select establishments, perfect for food enthusiasts.
- Fuel Surcharge Waiver: The card provides a 1% fuel surcharge waiver on fuel transactions up to ₹4,000 at HPCL pumps, in addition to the 4% cashback. This waiver reduces the overall cost of fuel purchases, making the card highly cost-effective for vehicle owners.
- High Credit Limit Potential: The credit limit is typically set at one to three times the cardholder’s monthly income, subject to credit score and repayment history. This flexibility allows users to manage significant expenses, from fuel to large retail purchases, with ease.
- Contactless Payment Technology: The card supports contactless payments, enabling quick and secure transactions at compatible POS terminals. This feature enhances convenience for small, frequent purchases, aligning with modern payment trends.
- Zero Liability Protection: In case of loss or theft, the card offers zero liability protection, ensuring cardholders are not held responsible for unauthorized transactions reported promptly. This feature provides financial security and peace of mind.
- HP Pay App Integration: Integration with the HP Pay app allows seamless fuel payments and additional rewards. The app’s user-friendly interface enables cardholders to track spending, manage rewards, and make payments, enhancing the digital experience.
- Flexible Reward Redemption: Reward points can be redeemed for fuel at HPCL pumps, vouchers, or merchandise through IDBI Bank’s rewards portal. The flexibility to choose redemption options ensures the card meets diverse user preferences.
- Low Foreign Currency Markup Fee: For international transactions, the card charges a 3.5% markup fee, which is competitive for a fuel-focused card. This feature supports occasional overseas spending without excessive costs.

Benefits of the IDBI Bank HPCL SuperSaver Credit Card

1. Significant Fuel Savings:
- 5% Fuel Cashback: Get 4% direct cashback and 1% surcharge waiver at HPCL fuel stations, saving up to ₹200/month.
- HP Pay App Rewards: Earn an extra 1.5% in reward points via the HP Pay app on fuel spends – maximizing value for vehicle owners.
- Total Fuel Savings: Potential savings of up to ₹350/month on fuel spends of ₹5,000, making it ideal amid rising fuel prices.
2. Cost-Effective Everyday Spending:
- 5% Rewards on Essentials: Earn 20 points per ₹100 spent on groceries, utilities, and departmental stores (capped at ₹100/month).
- Smart Household Savings: Families spending ₹2,000 monthly on essentials can earn ₹100 in rewards, reducing overall living costs.
- Flexible Redemptions: Points can be redeemed for fuel, vouchers, or merchandise — offering practical benefits on daily spends.

- Enhanced Travel Experience: Enjoy complimentary airport lounge access once per quarter on spending ₹35,000 in the previous quarter.
- Entertainment Savings: Get 25% discount on movie tickets twice a month on BookMyShow and INOX — save up to ₹400 per month, making entertainment more affordable for families and movie lovers.
- Comprehensive Roadside Support: Avail 24x7 free roadside assistance during vehicle breakdowns, including emergency towing, fuel delivery, repairs, and more — ideal for long-distance or rural travel support.
- Affordable Fee Structure: Card has a low joining/annual fee of ₹499 + GST, which is waived on spending ₹1.5 lakh annually. The achievable waiver makes it affordable and high-value for moderate spenders.
- Flexible Reward System: Earn 2 reward points per ₹100 spent on retail and 20 points per ₹100 spent on groceries/utilities. Redeem for fuel, vouchers, or lifestyle items — making rewards versatile and useful.
- Secure Transactions: Equipped with chip and PIN-based security plus zero liability on unauthorized use if reported — protecting your finances from fraud or misuse.
- Dining Discounts: The Culinary Treats Programme offers exclusive discounts at top restaurants across India, making eating out more enjoyable and affordable.
- Digital Payment Convenience: Supports contactless payments and integration with HP Pay app for fast, secure transactions. Track rewards and pay bills digitally with ease.
- Welcome Bonus Rewards: Get 2,000 reward points (worth ₹500) and ₹100 HP Pay cashback on a ₹1,000 transaction within 45 days of card issuance and joining fee payment.
- International Usability: 3.5% foreign currency markup fee makes the card practical for occasional international shopping or travel, without major costs.
- High Credit Limit Flexibility: Based on your income and credit profile, the card offers generous limits to support major purchases and reduce dependence on multiple cards.
- Fuel Surcharge Savings: Save with 1% fuel surcharge waiver at HPCL fuel stations for transactions up to ₹4,000 — in addition to 4% cashback benefits.
- Holistic Lifestyle Benefits: Combines fuel savings, shopping rewards, dining perks, movie offers, and lounge access — making it a complete financial tool for everyday and luxury use.

How to Apply for the IDBI Bank HPCL SuperSaver Credit Card

Online Application: Visit IDBI Bank’s website → Credit Cards → HPCL SuperSaver Credit Card → Apply Now.
Enter Contact Details: Provide mobile number, email, and PAN to initiate the application.
Verify OTP: Enter the OTP sent to your registered mobile number for identity confirmation.
Fill Application Form: Enter your name, contact info, profession, income, and address.
Upload Documents: Submit scanned copies of:
- Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Driver's License
- Address Proof: Aadhaar, Utility Bill (within 3 months), Bank Statement, or Rental Agreement
- Income Proof: Salary Slips/Bank Statements (salaried) or ITR (self-employed)
Review & Submit: Verify all entered details and submit the completed form.
Track Application: Use the application reference number on IDBI Bank's website or call customer support.
Alternate Application Methods:

Branch Visit: Visit the nearest IDBI Bank branch with physical documents and photos.
Via Bajaj Markets: Visit Bajaj Markets → Select the card → Check Eligibility → Submit form with OTP and documents.

Eligibility Criteria:

Primary cardholder must be 21–65 years old; Add-on cardholders must be 18+.
Minimum annual income of ₹5 lakh (may vary).
Credit score of 750+ preferred.

Processing Time:

Online: 7–14 working days after verification.
Offline: May take longer due to manual review.

Post-Approval Steps:

Receive SMS/email confirmation and dispatch details.
Card delivered within 5–7 days to registered address.
Activate card via IDBI website, app, or customer care.
Set PIN and link to HP Pay for maximum benefits.

Tips for Successful Application:

Maintain a credit score of 750+ for better chances.
Ensure documents are valid, current, and legible.
Avoid applying for multiple credit cards at once.
Contact bank RM for guidance if unsure of eligibility.

Common Challenges & Solutions:

Rejection: Improve your credit score and reapply after 3–6 months.
Document Mismatch: Ensure consistency across all submissions.
Delays: Track application status or call customer support for updates.

Customer Support:

Helpline: Call IDBI Bank’s credit card helpline for any assistance.
Branch Visit: Visit the nearest IDBI Bank branch for in-person help.

Digital Application Benefits: Apply paperlessly with real-time tracking and faster turnaround via IDBI’s portal or Bajaj Markets.
Fees & Welcome Benefits: Joining fee of ₹499 + GST is applicable. Earn 2,000 reward points and ₹100 HP Pay cashback on eligible spends.

Eligibility Criteria for IDBI Bank HPCL SuperSaver Credit Card

1. Age Criteria
- Primary Cardholder: Must be between 21 and 60 years old
- Self-Employed: Age limit extended up to 65 years
- Add-on Cardholders: Must be at least 18 years old
2. Income Requirements
- Stable income from salaried or self-employed sources
- Salaried: Preference for those employed with reputed or government organizations
- Self-Employed: Proof of regular income required (ITRs, bank statements)
3. Nationality and Residency
- Available to both Indian Residents and NRIs
- Permanent Indian address required for communication
- NRIs may need to provide passport and proof of overseas employment
4. Credit Score and History
- Preferred CIBIL score: 700 or above
- Strong repayment history improves approval chances
- No recent defaults, write-offs, or delinquent accounts
5. Employment Status
- Salaried: Minimum 1 year of continuous employment
- Self-Employed: At least 2 years of business or professional practice
- Documents required include salary slips, ITRs, and business proof
6. Existing Credit Cards
- Applicants with fewer active credit cards preferred
- Possessing 7–8 cards may affect approval due to risk of over-leverage
7. KYC Compliance
- Mandatory KYC as per RBI norms
- Valid identity, address, and income proof required
- Incomplete or incorrect KYC may lead to rejection
8. Additional Considerations
- Applicants must have a stable residence and verified contact details
- Bank may prioritize applicants with better credit utilization and lower debt levels
9. Tips to Improve Eligibility
- Maintain a high credit score by paying dues on time
- Avoid multiple card applications within a short period
- Ensure all submitted documents are updated and consistent
- Consult IDBI Bank representatives for personalized eligibility guidance
10. Location of Residence
- Applicants residing in serviceable pin codes or cities preferred
- Remote or unserviceable areas may delay or restrict approval
11. Mobile Number and Email Verification
- Active and Aadhaar-linked mobile number required for OTP verification
- Valid email ID must be provided for communication and e-statements
12. Banking Relationship with IDBI
- Existing IDBI Bank customers may have higher approval chances
- Strong savings or loan history with IDBI can support eligibility
13. Debt-to-Income Ratio (DTI)
- Lower DTI preferred — indicates better financial management
- High EMIs or loan burden may lead to rejection
14. Consistency Across Documents
- Name, date of birth, and address should match across all documents

Documents Required for IDBI Bank HPCL SuperSaver Credit Card

1. Identity Proof (Any One):
- PAN Card: Mandatory for tax and financial transactions.
- Aadhaar Card: Widely accepted and useful for e-KYC.
- Passport: Valid ID for both residents and NRIs.
- Voter ID: Recognized government-issued photo ID.
- Driving License: Must be valid and address-matching.
- OCI/PIO Card: For eligible Non-Resident Indians.
- NREGA Job Card: Accepted for eligible rural applicants.
- UIDAI Letter: Issued by UIDAI, if required additionally.
2. Address Proof (Any One):
- Aadhaar Card: Address must match current residence.
- Passport: Accepted if it reflects current address.
- Utility Bills: Electricity, gas, or water bill (not older than 3 months).
- Bank Statement: Recent statements with address details.
- Voter ID or Driving License: If the address is updated.
3. Income Proof:
- Salaried Individuals:
  - Latest 3 months’ salary slips,
  - Last 6 months’ bank statement showing salary credits,
  - Form 16 from the employer,
- Self-Employed Individuals:
  - Latest ITR acknowledgment with computation,
  - Bank statements showing business income (6–12 months),
  - Profit and loss statement or audited balance sheet.
4. Additional Documents (if applicable):
- NRIs:
  - Valid Passport with visa or work permit
  - Proof of overseas address (utility bill or bank statement)
- Add-On Card Applicants:
  - Identity proof of add-on cardholder (Aadhaar, PAN, Passport)
  - Proof of relationship (e.g., birth certificate, marriage certificate)
5. Employment Proof:
- Salaried: Appointment letter, employee ID, or HR letter.
- Self-Employed: Business registration certificate, GST certificate, or license.
6. Photographs: Two recent passport-size color photos. For online applications, a selfie may be required during Video KYC.
7. Submission Guidelines:
- Upload scanned copies for online applications.
- Submit physical documents at branch for offline applications.

Factors Affecting Eligibility for the IDBI Bank HPCL SuperSaver Credit Card

1. Age Requirements: Applicants must be:
- 21–60 years (Salaried)
- 21–65 years (Self-employed)
Add-on cardholders must be 18+. Those outside this range may explore secured card options backed by fixed deposits.
2. Income Stability: Salaried individuals should have a minimum annual income of ₹4–5 lakh with regular pay slips. Self-employed applicants must show consistent business income through ITRs or audited statements. For low or irregular income, secured cards with FDs are available.
3. Credit Score and History: A CIBIL score of 750+ is preferred. Clean repayment history, low credit utilization, and no recent defaults significantly improve approval chances.
4. Employment and Business Stability: A job tenure of 6–12 months (salaried) or 2+ years of business operations (self-employed) is expected. Frequent job switches or a newly started business may affect eligibility.
5. Residency Status: Indian residents with valid documents (e.g., Aadhaar, utility bills) are eligible. NRIs may apply if they maintain an Indian bank account or fixed deposit with IDBI Bank and provide valid NRI documentation.
6. Existing Credit Card Ownership: Holding too many credit cards (7–8 or more) may reduce approval chances. High outstanding balances or poor repayment behavior can lead to rejection. Maintaining 2–3 cards with good usage history is ideal.
7. Debt-to-Income Ratio (DTI): A DTI ratio under 40% is ideal. High monthly EMIs reduce disposable income and signal credit risk to the bank.
8. Credit Utilization Ratio (CUR): CUR should remain below 30%. A high utilization rate indicates financial stress and can negatively affect your creditworthiness.
9. Credit Inquiries: Multiple recent hard inquiries can lower your credit score. Limit credit applications to only when necessary.
10. Payment History: Timely repayment of EMIs and credit card bills is essential. Late payments, defaults, or settlements hurt approval chances.
11. Banking Relationship: Existing IDBI Bank customers with good account standing may receive pre-approved offers or faster processing.
12. Location: Applicants from metro or Tier-1 cities benefit from faster digital processing. Those in rural areas may face longer verification timelines.
13. Profession & Industry: Preferred applicants include salaried professionals in stable sectors, government employees, and doctors. Seasonal or high-risk professions may face stricter checks.
14. Co-Applicant Option: Adding a co-applicant with a strong credit and income profile can improve approval chances, especially for young or low-income applicants.
15. Internal Bank Policies: IDBI Bank may revise approval norms based on economic trends and internal risk assessments. Profile preferences can change based on policy shifts.

Frequently Asked Questions (FAQs) – IDBI Bank HPCL SuperSaver Credit Card

1. What is the IDBI Bank HPCL SuperSaver Credit Card?

It is a co-branded credit card offered by IDBI Bank in partnership with HPCL (Hindustan Petroleum Corporation Limited), designed to provide fuel savings and rewards on fuel purchases at HPCL petrol pumps.

2. What are the benefits of this card?

Fuel surcharge waiver (usually 1% waiver on fuel transactions at HPCL pumps), reward points on fuel and non-fuel spends, discounts on HPCL fuel purchases, additional benefits like insurance cover, EMI options, and more.

3. Is there an annual fee for this card?

Yes, there is usually an annual fee, but it may be waived off if you meet certain spending criteria (varies based on bank policies).

4. How do I earn rewards on this card?

You earn reward points on every spend:
- Fuel spends at HPCL pumps (e.g., 4 reward points per ₹100)
- Non-fuel spends (e.g., 2 reward points per ₹100)

5. Is there a fuel surcharge waiver?

Yes, typically 1% fuel surcharge is waived on transactions at HPCL petrol pumps (minimum and maximum waiver limits may apply).

6. Where can I use this card other than HPCL pumps?

You can use it anywhere Visa/Mastercard is accepted—shopping, dining, travel, online purchases, etc.

7. How can I redeem reward points?

Reward points can be redeemed for:
- HPCL fuel vouchers
- Gift vouchers from partner brands
- Cashback or statement credit (if applicable)

8. What is the credit limit on this card?

The limit depends on your credit profile, income, and IDBI Bank’s internal policies.

9. How can I apply for this card?

You can apply:
- Online via IDBI Bank’s website
- Offline at IDBI Bank branches or HPCL petrol pumps (if available)

10. Does this card offer any insurance cover?

Some variants may include:
- Accidental death cover (up to a certain amount)
- Purchase protection (on eligible transactions)

List of IDBI Bank HPCL SuperSaver Credit Card in Telangana & Andhra Pradesh

Mahabubnagar - Station Road
Adilabad - Main Road
Telangana - Nalgonda
Nalgonda - Miryalguda
Medak - Sangareddy

Telangana - Rangareddy
Rangareddy - Uppal
Rangareddy - Serilingampally
Bhadradri Kothagudem - Paloncha
Telangana - Sangareddy

Telangana - Siddipet
Siddipet - Dubbak
Telangana - Medchal
Medchal - Kompally
Telangana - Peddapalli

Peddapalli - Manthani
Telangana - Jagtial
Jagtial - Korutla
Visakhapatnam - Siripuram
Visakhapatnam - Seethammadhara

Create Account

Sign In

Welcome Back!

Hello, Friend!

Reset Password

Reset Your Password

Change Password

Update Your Password

Logintoloans Assistant