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ICICI Bank HPCL Super Saver Credit Card VS IDFC HPCL First Power Plus 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
IDFC HPCL First Power Plus Credit Card
IDFC HPCL First Power Plus Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹499 + GST
Renewal Fee
₹500 + GST
₹499 + GST
Spend Based Waiver
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Annual fee reversed on spends of ₹1,50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% on all international transactions.
Interest Rate (APR)
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
APR from 0.71% to 3.85% per month (8.5% to 46.2% per annum).

Rewards & Benefits

Welcome Bonus
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Worth ₹2500, including ₹500 fuel voucher/cashback and 5% cashback (up to ₹1,000) on first EMI conversion.
Rewards Rate
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
Up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail.
Reward Type
Reward Points and Cashback
Reward Points & Cashback
Reward Redemption Fee
₹99 + GST per redemption request.
₹99 + GST on every reward redemption request.

Travel & Lifestyle

Domestic Lounge Access
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
Complimentary access once per quarter on minimum monthly spends of ₹20,000.
International Lounge Access
No international lounge access benefits are provided with this card.
Travel Benefits
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Up to 8.83% savings on hotel bookings & 5.50% on flight bookings via FIRST Rewards Gallery.
Movie Benefits
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
25% off on movie tickets up to ₹100, once every month.
Dining Benefits
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Exciting merchant offers from popular partnered brands.
Golf Benefits
No golf benefits are offered with this credit card.
Fuel Surcharge Waiver
1% fuel surcharge waiver applicable at all fuel stations across India.
No fuel surcharge waiver, but high reward points are offered on fuel expenses.

Security & Other

Insurance Benefits
Personal Accident Insurance Cover is provided (for RuPay Variant).
Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000.
Cash Advance Charges
2.5% of cash amount, minimum of ₹500.
₹199 + GST per transaction; 0% interest on ATM cash withdrawals for up to 45 days.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

IDFC HPCL First Power Plus 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 FIRST Power+ Credit Card, a collaboration between IDFC FIRST Bank and HPCL, is a mid-range card designed for daily commuters and vehicle owners. It offers significant savings, including up to 6.5% on fuel, 5% on groceries, utilities, and FASTag recharges. Cardholders also enjoy welcome benefits worth ₹2500, complimentary domestic lounge access, and never-expiring reward points, making it ideal for maximizing everyday savings and lifestyle privileges.

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.

Enjoy up to 6.5% savings on fuel, 5% on groceries, and FASTag recharges.

Receive welcome benefits worth ₹2500, including a fuel voucher and EMI cashback.

Benefit from complimentary domestic lounge access and roadside assistance services.

Reward points never expire, providing flexibility and long-term value for users.

Annual fee is easily waived on achieving a reasonable spend of ₹1,50,000 annually.

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.

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

The card does not offer a fuel surcharge waiver, despite its focus on fuel spends.

A high foreign currency markup of 3.5% makes international transactions expensive.

Domestic lounge access requires a minimum monthly spend of ₹20,000 to be eligible.

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

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.