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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.

Features

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
₹1,000 + GST
Renewal Fee
₹500 + GST
₹1,000 + GST
Spend Based Waiver
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Annual fee of ₹1,000 + GST waived on spends of ₹1,00,000 and above in an anniversary year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.50% of transaction value for foreign currency spends.
Interest Rate (APR)
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
3.75% Per Month (55.55% Per Annum) on outstanding balances.

Rewards & Benefits

Welcome Bonus
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Enjoy 500 EDGE Miles on your first spend within 30 days of card issuance.
Rewards Rate
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
Earn 6 EDGE Miles on every ₹150 spent at IOCL fuel outlets (up to ₹15k/month) & 2 EDGE Miles on groceries (up to ₹5k/month).
Reward Type
Reward Points & Cashback
Reward Points
Reward Redemption Fee
₹99 + GST per redemption request.
Nil charges for redeeming EDGE Miles.

Travel & Lifestyle

Domestic Lounge Access
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
Enjoy 2 complimentary domestic lounge visits per quarter (8 annually) by spending ₹50,000 in the prior 3 months.
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).
Offers spend-based domestic lounge access and instant savings on flights & hotels via MakeMyTrip.
Movie Benefits
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Not Applicable
Dining Benefits
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Enjoy 30% off on Zomato (up to ₹150, 2 times/month) & up to 25% off (max ₹800) via Eazydiner.
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% fuel surcharge waiver (unlimited) at IOCL fuel outlets (GST on surcharge non-refundable).

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 (minimum ₹500) for cash advances.
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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 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 IndianOil Axis Bank Premium Credit Card is tailored for individuals frequently spending on fuel, offering accelerated rewards at IndianOil outlets. It provides comprehensive benefits, including grocery rewards, domestic airport lounge access, and dining discounts on Zomato and Eazydiner. This card is an excellent choice for those prioritizing fuel savings and lifestyle perks, while offering a well-rounded rewards program for everyday expenses.

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.

Excellent choice for frequent commuters with generous 6X EDGE Miles on IndianOil fuel purchases.

Well-rounded rewards program providing 2X EDGE Miles on grocery and daily spending needs.

Valuable travel perk with 2 complimentary domestic airport lounge visits each quarter.

Significant lifestyle benefits, including a 30% discount on food deliveries via Zomato.

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.

Domestic lounge access is conditional on spending ₹50,000 in the preceding three months.

Accelerated EDGE Miles for fuel and groceries have monthly spending caps for maximum benefits.

No EDGE Miles are earned on key categories like utilities, insurance, wallets, and rent payments.

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.