Skip to main content

HDFC Bank Titanium Edge Credit Card VS ICICI Bank HPCL Platinum Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 18 July 2026

HDFC Bank Titanium Edge is entirely free with a flat, brand-agnostic fuel surcharge waiver and no lounge access. ICICI Bank HPCL Platinum charges a low ₹199 + GST but earns 2.5% cashback specifically on HPCL fuel, plus international lounge access via Dreamfolks - a rare combination at this fee. If you fuel at HPCL and would use even occasional international lounge access, HPCL Platinum's small fee pays for itself; for a fully free card with no brand loyalty required, Titanium Edge stays at zero cost.

HDFC Bank Titanium Edge Credit Card
HDFC Bank Titanium Edge Credit Card
ICICI Bank HPCL Platinum Credit Card
ICICI Bank HPCL Platinum Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹199 + GST
Renewal FeeLifetime Free
Renewal Fee₹199 + GST
Spend Based WaiverRenewal fee waived on spending Rs. 50,000 or more in the previous anniversary year.
Spend Based WaiverAnnual renewal fee waived if you spend Rs. 50,000 or more in the preceding year.
Foreign Transaction Fees3.5% on all foreign currency spends.
Foreign Transaction Fees3.50% on all foreign currency spends.
Interest Rate (APR)Interest rate is 3.49% per month.
Interest Rate (APR)3.40% per month (equivalent to 40.8% annually).

Rewards & Benefits

Welcome BonusNo welcome benefits are offered with this credit card.
Welcome Bonus
Rewards RateEarn 2 Reward Points for every ₹150 spent, with 3 RP on dining spends.
Rewards RateEarn 2 Reward Points for every Rs. 100 spent on all retail purchases, excluding fuel.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 99 per redemption request, waived for cash credit redemption.
Reward Redemption FeeRs. 99 on every redemption request.

Travel & Lifestyle

Domestic Lounge AccessNot Applicable
Domestic Lounge Access
International Lounge AccessNot Applicable
International Lounge AccessAccess 2 complimentary airport lounge visits outside India every year.
Travel BenefitsNot Applicable
Travel BenefitsComplimentary Dreamfolks membership with USD 99 annual fee waived.
Movie BenefitsNot Applicable
Movie BenefitsGet Rs. 100 off on movie ticket bookings via BookMyShow, twice a month.
Dining BenefitsEarn 50% more Reward Points on dining (3 RP for every Rs. 150 spend).
Dining BenefitsMinimum 15% savings on dining bills through the ICICI Bank Culinary Treats Programme.
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel (Rs. 400-Rs. 5,000), max Rs. 250/billing cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver at all HPCL pumps for transactions up to Rs. 4,000.

Security & Other

Insurance BenefitsZero liability protection against lost/stolen cards if reported immediately.
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, minimum Rs. 500.
Cash Advance Charges2.5% of the transaction amount or Rs. 300, whichever is higher.
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Titanium Edge Credit Card

ICICI Bank HPCL Platinum Credit Card

Who is it for?

The HDFC Bank Titanium Edge Credit Card is an entry-level credit card designed for individuals new to credit or those seeking an affordable option with a decent reward rate. It comes with a zero joining fee and can be made lifetime free by spending Rs. 50,000 or more in an anniversary year. The card offers a base reward rate of 2 Reward Points for every Rs. 150 spent, with accelerated rewards on dining. It's a practical choice for everyday spending.

Who is it for?

The ICICI Bank HPCL Platinum Credit Card is designed for individuals who frequently spend on fuel, offering 2.5% cashback on HPCL fuel and a 1% surcharge waiver. It also provides a rewarding points system for retail spending, along with valuable movie and dining discounts. With low fees and complimentary international lounge access, it's a versatile option for everyday savings, despite being discontinued.

Pros

Key benefits and features.

Zero joining fee and easily waivable renewal fee makes it budget-friendly.

Offers accelerated rewards on dining, making it good for foodies.

Provides a decent 1% fuel surcharge waiver, saving money on fuel expenses.

Comes with EMV chip and zero liability protection for secure transactions.

An interest-free period of up to 50 days helps manage your monthly finances better.

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.

Lack of premium benefits like airport lounge access and comprehensive travel features.

A redemption fee of Rs. 99 applies for most reward point redemptions.

High foreign currency markup of 3.5% makes international spending expensive.

The card offers no specific welcome benefits, which some users might expect.

Reward points are only valid for two years, requiring timely redemption.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank Titanium Edge Credit Card(opens in new tab)