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HDFC Bank Titanium Edge Credit Card VS ICICI Bank HPCL Super Saver 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.
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Last updated: 18 July 2026

ICICI Bank HPCL Super Saver charges ₹500 + GST but delivers 5% savings specifically on HPCL fuel, plus spend-based lounge access and dining discounts. HDFC Bank Titanium Edge is entirely free with a flat 2 Reward Points per ₹150 general rate and a modest, brand-agnostic fuel waiver, no lounge access. If HPCL is your regular fuel stop, Super Saver's fee is recovered through fuel savings and adds lounge access on top; for a no-cost everyday card without fuel-brand loyalty, Titanium Edge costs nothing.

HDFC Bank Titanium Edge Credit Card
HDFC Bank Titanium Edge Credit Card
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹500 + GST
Renewal FeeLifetime Free
Renewal Fee₹500 + GST
Spend Based WaiverRenewal fee waived on spending Rs. 50,000 or more in the previous anniversary year.
Spend Based WaiverAnnual fee waived if Rs. 1.5 lakh or more is spent in the preceding year.
Foreign Transaction Fees3.5% on all foreign currency spends.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)Interest rate is 3.49% per month.
Interest Rate (APR)3.75% per month (equivalent to 45% per year) on outstanding balances.

Rewards & Benefits

Welcome BonusNo welcome benefits are offered with this credit card.
Welcome Bonus2,000 bonus Reward Points on spending Rs. 5,000 in 45 days & Rs. 100 cashback on HP Pay app.
Rewards RateEarn 2 Reward Points for every ₹150 spent, with 3 RP on dining spends.
Rewards RateUp to 5% savings on HPCL fuel; 5% cashback as RPs on utilities/groceries; 2 RPs per Rs. 100 on others.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption FeeRs. 99 per redemption request, waived for cash credit redemption.
Reward Redemption FeeRs. 99 + GST is charged for every reward redemption request.

Travel & Lifestyle

Domestic Lounge AccessNot Applicable
Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on Rs. 75,000 spend in previous quarter.
International Lounge AccessNot Applicable
International Lounge Access
Travel BenefitsNot Applicable
Travel BenefitsComplimentary domestic lounge access, 24x7 Roadside Assistance Service, concierge service.
Movie BenefitsNot Applicable
Movie Benefits25% discount (max Rs. 100, twice a month) on BookMyShow/Inox, with Rs. 25,000 quarterly spend.
Dining BenefitsEarn 50% more Reward Points on dining (3 RP for every Rs. 150 spend).
Dining BenefitsExclusive discounts at partner restaurants under ICICI Bank Culinary Treats Program.
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 fuel stations on transactions between Rs. 400 and Rs. 4,000.

Security & Other

Insurance BenefitsZero liability protection against lost/stolen cards if reported immediately.
Insurance BenefitsPersonal Accident Insurance Cover (for RuPay Variant).
Cash Advance Charges2.5% of withdrawn amount, minimum Rs. 500.
Cash Advance Charges2.5% of cash amount withdrawn, subject to a minimum of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Titanium Edge Credit Card

ICICI Bank HPCL Super Saver 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 Super Saver Credit Card is a co-branded offering designed for individuals who frequently spend on fuel and daily essentials. It provides significant savings of up to 5% on HPCL fuel purchases and accelerated reward points on utility and departmental store spends. Cardholders also enjoy complimentary domestic airport lounge access, movie discounts, and 24x7 Road Assistance Service. With a modest annual fee, this card is ideal for maximizing everyday fuel and household expense savings while enjoying select lifestyle perks.

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 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.

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.

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.

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.
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