Amazon Pay ICICI Bank Credit Card VS ICICI Bank HPCL Super Saver Credit Card VS ICICI Bank Business Advantage Blue Card VS ICICI Bank HPCL Platinum Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank Business Advantage Blue Card
ICICI Bank HPCL Platinum Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.
Lifetime free with no joining or annual fees, offering significant long-term value.
Unlimited cashback with no maximum capping on the Amazon Pay balance earned.
Reward points are automatically credited as Amazon Pay balance and have no expiry date.
Low international forex mark-up at 1.99% makes international spends more economical.
Pros
Key benefits and features.
Significant savings of up to 5% on HPCL fuel purchases, ideal for frequent commuters.
Accelerated reward points on daily essential spends like utilities and groceries.
Complimentary domestic airport lounge access enhances travel convenience.
Includes valuable 24x7 Road Assistance Service for vehicle owners.
Attractive welcome benefits with bonus points and HP Pay app cashback.
Pros
Key benefits and features.
Designed for business savings, offering cashback on recurring business expenses.
Provides additional cashback for timely bill payments via Corporate Net Banking.
Includes valuable benefits like domestic lounge access and dining discounts.
Comprehensive 24x7 concierge services enhance convenience for business travel.
Offers robust insurance benefits including personal air accident cover.
Pros
Key benefits and features.
Significant savings on fuel with 2.5% cashback and 1% surcharge waiver at HPCL pumps.
Low joining and annual fees, easily waived by spending Rs. 50,000 annually.
Valuable lifestyle benefits including movie discounts and dining savings via Culinary Treats.
Complimentary Dreamfolks membership offers international lounge access and domestic spa sessions.
Cons
Key drawbacks and limitations.
Primarily focused on Amazon shopping, limiting benefits for other spending categories.
Does not provide other benefits like lounge access or entertainment, unsuitable for travelers.
Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.
The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.
Cons
Key drawbacks and limitations.
High foreign currency markup of 3.5% makes international spends expensive.
A rewards redemption fee of Rs. 99 + GST is charged for every request.
Lounge and movie benefits require substantial quarterly spend thresholds.
The 4% fuel cashback is capped at Rs. 200 per month, limiting maximum savings.
High interest rate of 45% per annum on outstanding balances and cash advances.
Cons
Key drawbacks and limitations.
Cashback is capped at ₹500 per month, which may limit benefits for high spenders.
No cashback is earned if the monthly spend is less than ₹25,000.
Domestic lounge access requires a minimum spend of ₹35,000 in the previous quarter.
The foreign currency markup of 3.5% is relatively high for international transactions.
Fuel surcharge waiver is limited to HPCL stations and has a monthly cap.
Cons
Key drawbacks and limitations.
The card has been discontinued, limiting new applications and future availability.
A redemption fee of Rs. 99 is charged on every reward point redemption request.
Lacks comprehensive insurance benefits, which might be a drawback for some users.
Cashback on fuel is capped at Rs. 100 per month, limiting maximum savings.