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ICICI Bank HPCL Super Saver Credit Card VS BPCL SBI 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.

Features

ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining Fee
₹500 + GST
Rs. 499 + GST
Renewal Fee
₹500 + GST
Rs. 499 + GST, from the second year onwards.
Spend Based Waiver
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Renewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards Rate
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward Type
Reward Points & Cashback
Reward Points
Reward Redemption Fee
₹99 + GST per redemption request.
Rs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
Not Applicable
International Lounge Access
No international lounge access benefits are provided with this card.
Not Applicable
Travel Benefits
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Not Applicable
Movie Benefits
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Earn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Earn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
No golf benefits are offered with this credit card.
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver applicable at all fuel stations across India.
1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance Benefits
Personal Accident Insurance Cover is provided (for RuPay Variant).
Not Applicable
Cash Advance Charges
2.5% of cash amount, minimum of ₹500.
2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

BPCL SBI Credit Card

Who is it for?

The ICICI Bank HPCL Super Saver Credit Card is ideal for frequent travelers and fuel spenders, offering significant savings and cashback. It provides exclusive fuel offers, reward points on daily expenses, and perks like airport lounge access and dining discounts. Enjoy comprehensive benefits across various spending categories for an economical travel and lifestyle.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Pros

Key benefits and features.

Exceptional savings on fuel at HPCL pumps, including cashback and surcharge waiver.

Generous reward points on everyday spends like utilities, groceries, and department stores.

Complimentary domestic airport lounge access helps enhance travel experiences.

Attractive discounts on movie tickets and dining offers via Culinary Treats Programme.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is charged for every reward redemption request.

No international lounge access or golf benefits are provided with this card.

High foreign currency markup of 3.5% makes international spends less rewarding.

Cash advance charges are 2.5% of the amount, with a minimum fee of ₹500.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

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.