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ICICI Bank HPCL Super Saver Credit Card VS IndianOil Axis Bank Premium 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

Both ICICI Bank HPCL Super Saver Credit Card and IndianOil Axis Bank Premium Credit Card suit fuel-focused spenders, but they earn and cost differently. ICICI Bank HPCL Super Saver Credit Card costs ₹500 + GST and earns 5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop. IndianOil Axis Bank Premium Credit Card costs ₹1,000 + GST and earns 6 EDGE Miles on every ₹150 spent at IOCL fuel outlets (up to ₹15k/month) & 2 EDGE Miles on groceries (up to ₹5k/month). ICICI Bank HPCL Super Saver Credit Card also brings 1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder), while IndianOil Axis Bank Premium Credit Card counters with enjoy 2 complimentary domestic lounge visits per quarter (8 annually) by spending ₹50,000 in the prior 3 months. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
IndianOil Axis Bank Premium Credit Card
IndianOil Axis Bank Premium Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverAnnual fee waived if Rs. 1.5 lakh or more is spent in the preceding year.
Spend Based WaiverJoining fee waived on ₹30,000 spend in a year. Annual fee waived on ₹30,000 (1st year) or ₹1 lakh (subsequent years) spend.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction value
Interest Rate (APR)3.75% per month (equivalent to 45% per year) on outstanding balances.
Interest Rate (APR)3.75% Monthly (55.55% Annually)

Rewards & Benefits

Welcome Bonus2,000 bonus Reward Points on spending Rs. 5,000 in 45 days & Rs. 100 cashback on HP Pay app.
Welcome BonusEnjoy 500 EDGE Miles on your first transaction within 30 days of card issuance. Applicable only in the first year.
Rewards RateUp to 5% savings on HPCL fuel; 5% cashback as RPs on utilities/groceries; 2 RPs per Rs. 100 on others.
Rewards RateEarn 6 EDGE Miles for every ₹150 on IndianOil fuel (up to ₹15k/month), 2 EDGE Miles on groceries (up to ₹5k/month), and 1 EDGE Mile on other spends.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeRs. 99 + GST is charged for every reward redemption request.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on Rs. 75,000 spend in previous quarter.
Domestic Lounge Access2 complimentary visits each quarter at select domestic airports, subject to ₹50,000 spend in previous 3 months.
International Lounge Access
International Lounge Access
Travel BenefitsComplimentary domestic lounge access, 24x7 Roadside Assistance Service, concierge service.
Travel Benefits2 complimentary domestic airport lounge visits each quarter (spend-based) and up to 15% savings on flights & hotels via MakeMyTrip on Wednesdays.
Movie Benefits25% discount (max Rs. 100, twice a month) on BookMyShow/Inox, with Rs. 25,000 quarterly spend.
Movie Benefits
Dining BenefitsExclusive discounts at partner restaurants under ICICI Bank Culinary Treats Program.
Dining BenefitsInstant 30% discount on Zomato (up to ₹150, twice monthly) and 25% discount on dining via Eazydiner.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations on transactions between Rs. 400 and Rs. 4,000.
Fuel Surcharge Waiver1% (+GST) with an unlimited 1% waiver on IndianOil fuel purchases.

Security & Other

Insurance BenefitsPersonal Accident Insurance Cover (for RuPay Variant).
Insurance Benefits
Cash Advance Charges2.5% of cash amount withdrawn, subject to a minimum of Rs. 500.
Cash Advance Charges2.5% on amount withdrawn (Minimum ₹500)
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

IndianOil Axis Bank Premium Credit Card

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.

Who is it for?

The IndianOil Axis Bank Premium Credit Card is a mid-range credit card from Axis Bank, ideal for individuals who frequently spend on fuel, especially at IndianOil outlets, and groceries. It offers accelerated rewards, complimentary domestic airport lounge access, and significant discounts on food delivery via Zomato. This card provides a well-rounded rewards program with flexible redemption options, making everyday spending more rewarding and economical.

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.

Pros

Key benefits and features.

High reward rate of 6X EDGE Miles on fuel purchases at IndianOil outlets.

Accelerated 2X EDGE Miles on grocery and supermarket spends for daily needs.

Complimentary domestic airport lounge access enhances travel comfort significantly.

Enjoy significant 30% discounts on Zomato food orders, twice every month.

Flexible EDGE Miles redemption for fuel, partner points, or travel bookings.

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.

Cons

Key drawbacks and limitations.

Lounge access is spend-based, requiring ₹50,000 in previous three months.

Accelerated rewards on fuel and groceries have monthly caps, limiting higher earnings.

Certain transactions like rent, wallet, and insurance do not earn EDGE Miles.

The annual fee waiver requires a spend of ₹1 lakh in subsequent years.

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 ICICI Bank HPCL Super Saver Credit Card(opens in new tab)Apply for IndianOil Axis Bank Premium Credit Card(opens in new tab)