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ICICI Bank HPCL Super Saver 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.

Features

ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Platinum Credit Card
ICICI Bank HPCL Platinum Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹199 + GST
Renewal Fee
₹500 + GST
₹199 + GST
Spend Based Waiver
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Renewal fee waived on spending Rs. 50,000 or more in the preceding year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.50% on all foreign currency spends.
Interest Rate (APR)
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
3.40% per month (or 40.8% annually).

Rewards & Benefits

Welcome Bonus
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Not Applicable
Rewards Rate
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
2.5% cashback on HPCL fuel (max Rs. 100/month); 2 Reward Points per Rs. 100 on retail spends.
Reward Type
Reward Points & Cashback
Reward Points & Cashback
Reward Redemption Fee
₹99 + GST per redemption request.
Rs. 99 on every reward redemption request.

Travel & Lifestyle

Domestic Lounge Access
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
2 spa sessions at selected Indian airports annually through Dreamfolks membership.
International Lounge Access
No international lounge access benefits are provided with this card.
2 complimentary airport lounge visits outside India per year via Dreamfolks membership.
Travel Benefits
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Complimentary Dreamfolks membership, 2 international lounge visits & 2 spa sessions annually.
Movie Benefits
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Rs. 100 off on movie tickets via BookMyShow, twice monthly.
Dining Benefits
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Min. 15% savings on dining bills via ICICI Bank Culinary Treats Programme at 2,500+ restaurants.
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 at all HPCL pumps for transactions up to Rs. 4,000.

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 transaction amount or Rs. 300, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank HPCL Platinum 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 ICICI Bank HPCL Platinum Credit Card is ideal for frequent fuel spenders, offering 2.5% cashback on HPCL fuel and a 1% fuel surcharge waiver. With a nominal fee of Rs. 199 (which can be waived), it also provides benefits like movie discounts, dining savings via Culinary Treats, and complimentary international lounge access through Dreamfolks membership. This card is a cost-effective choice for everyday savings across various categories.

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.

Attractive 2.5% cashback on fuel purchases at HPCL and a 1% fuel surcharge waiver, leading to significant savings.

Nominal joining and annual fee of Rs. 199, easily waived by spending Rs. 50,000 in the preceding year.

Valuable benefits like movie discounts, dining savings through Culinary Treats, and international lounge access.

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.

Fuel cashback is capped at only Rs. 100 per month, limiting savings for high spenders on fuel.

A redemption fee of Rs. 99 is charged on every reward redemption request, reducing overall value.

High foreign currency markup of 3.50% makes it unsuitable for frequent international transactions.

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.