ICICI HPCL Super Saver Credit Card vs ICICI Rubyx Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: ICICI HPCL Super Saver Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: ICICI HPCL Super Saver Credit Card (₹500/yr) vs ICICI Rubyx Credit Card (₹2000/yr).
- Base Reward Rate: ICICI HPCL Super Saver Credit Card (1% Cashback) vs ICICI Rubyx Credit Card (2 pts/₹100).
- Lounge Access: ICICI HPCL Super Saver Credit Card (0 dom) vs ICICI Rubyx Credit Card (8 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1ICICI Bank · fee waived
2ICICI Bank · fee waived
Smart verdict
Get the ICICI HPCL Super Saver Credit Card — it earns you +₹3,540/yr over the ICICI Rubyx Credit Card, mostly from your utilities & bills spend.
How Your Spends Convert to Rewards
Live calculation breakdown for ICICI HPCL Super Saver Credit Card
| Spend Category | Monthly Spend | Reward Rate | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|
Other Online Shopping | ₹6,000/mo | 1% Cashback | ₹60 | ₹720/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 1% Cashback | ₹35 | ₹420/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 1% Cashback | ₹20 | ₹240/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 1% Cashback | ₹50 | ₹600/yr | Active Earn |
Groceries | ₹7,000/mo | 5% Cashback | ₹100 | ₹1,200/yr | Cap Hit (₹100/mo) |
Fuel | ₹4,000/mo | 0% Cashback | ₹40(incl. ₹40 waiver) | ₹480/yr | Fuel Waiver Stacked |
Utilities & Bills | ₹4,000/mo | 5% Cashback | ₹100 | ₹1,200/yr | Cap Hit (₹100/mo) |
Travel (Flights/Hotels) | ₹4,000/mo | 1% Cashback | ₹40 | ₹480/yr | Active Earn |
Rent | ₹10,000/mo | 1% Cashback | ₹100 | ₹1,200/yr | Active Earn |
Insurance | ₹1,500/mo | 2% Cashback | ₹30 | ₹360/yr | Active Earn |
Other / Offline | ₹3,000/mo | 1% Cashback | ₹30 | ₹360/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | ICICI HPCL Super Saver Credit CardICICI Bank | ICICI Rubyx Credit CardICICI Bank |
|---|---|---|
| Joining fee | ₹500 | ₹3,000 |
| Annual fee | ₹500/yr | ₹2,000/yr |
| Fee waiver | Spend ₹1,50,000/yr | Spend ₹3,00,000/yr |
| Base reward | 1% cashback | 2 pts / ₹100 |
| Top reward categories | 0% fuel (higher rate at select merchants only), 5% groceries, 5% utilities | 1x utilities, 1x insurance |
| Redemption friction | Auto credit | Easy |
| Point expiry | 36 months | 36 months |
| Lounge access | None | 8 dom · 0 intl⚠ 2 domestic/quarter on Rs.75,000 prior-quarter spend; 2 railway lounge/quarter |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹200/mo | 1% waiver, up to ₹4,000/mo |
| Min income · salaried | ₹2.4L/yr | ₹9.0L/yr |
| Min income · self-employed | ₹2.4L/yr | ₹9.0L/yr |
| Eligibility (as stated) | Salaried Rs.20,000/month; Self-employed Rs.2,40,000/year | Salaried Rs.75,000/month; Self-employed Rs.9,00,000/year |
| Recent devaluations | None recorded |
|
| Verified against | Updated 2026-07Official ICICI Bank Credit Card Page |
Verdict at a Glance
Choose ICICI HPCL Super Saver Credit Card if your monthly spending is focused on fuel, groceries.
Choose ICICI Rubyx Credit Card if you spend heavily on utilities, insurance.
ICICI HPCL Super Saver Credit Card vs ICICI Rubyx Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
ICICI HPCL Super Saver Credit Card
At ₹25,000/month, ICICI HPCL Super Saver Credit Card nets ₹4,680/yr vs ICICI Rubyx Credit Card at ₹2,010/yr — a ₹2,670 edge.
ICICI HPCL Super Saver Credit Card
At ₹50,000/month, ICICI HPCL Super Saver Credit Card nets ₹7,260/yr vs ICICI Rubyx Credit Card at ₹3,720/yr — a ₹3,540 edge.
ICICI HPCL Super Saver Credit Card
At ₹1,00,000/month, ICICI HPCL Super Saver Credit Card nets ₹12,480/yr vs ICICI Rubyx Credit Card at ₹6,465/yr — a ₹6,015 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, ICICI HPCL Super Saver Credit Card or ICICI Rubyx Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), ICICI HPCL Super Saver Credit Card comes out ahead by about ₹3,540 per year, driven mostly by utilities & bills spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, ICICI HPCL Super Saver Credit Card or ICICI Rubyx Credit Card?▼
ICICI HPCL Super Saver Credit Card earns 1% as a base, while ICICI Rubyx Credit Card earns 2 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for ICICI HPCL Super Saver Credit Card and ICICI Rubyx Credit Card?▼
ICICI HPCL Super Saver Credit Card: ₹500 + GST per year, waived on ₹1,50,000 annual spend. ICICI Rubyx Credit Card: ₹2,000 + GST per year, waived on ₹3,00,000 annual spend.
Do ICICI HPCL Super Saver Credit Card and ICICI Rubyx Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. ICICI HPCL Super Saver Credit Card excludes none noted; ICICI Rubyx Credit Card excludes fuel. The calculator shows these as ₹0 earners so your net value stays honest.
Is ICICI Rubyx Credit Card ever the better pick over ICICI HPCL Super Saver Credit Card?▼
Within a normal spend range at ₹50,000/month, ICICI HPCL Super Saver Credit Card stays ahead. ICICI Rubyx Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.