ICICI Bank HPCL Super Saver Credit Card vs IndianOil HDFC Bank 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.
Fees & Charges
Joining Fee
₹500 + GST
₹500 plus applicable taxes (GST)
Renewal Fee
₹500 + GST
₹500 plus applicable taxes (GST)
Spend Based Waiver
Annual fee waived if ₹1.5 lakh or more is spent in the preceding year.
Renewal fee waived on ₹50,000 annual spend; joining fee waived on ₹20,000 spend in first 90 days.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% will be applicable on all International/Cross currency transactions.
Interest Rate (APR)
3.75% per month (equivalent to 45% per year) on ATM withdrawals/minimum due paid.
3.75% per month (45% per year) on revolving credit.
Rewards & Benefits
Welcome Bonus
2,000 bonus Reward Points on fee payment & ₹5k spend, plus ₹100 cashback on HP Pay app fuel purchase.
Joining fee waiver on spending ₹20,000 in the first 90 days from card issuance.
Rewards Rate
5% savings on HPCL fuel (4% cashback + 1% waiver). 20 RP/₹100 on daily essentials. 2 RP/₹100 on others.
Earn 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments. 1 Fuel Point for every ₹150 on other spends.
Reward Type
Reward Points & Cashback
Fuel Points
Reward Redemption Fee
₹99 + GST per redemption request.
₹99 plus GST
Travel & Lifestyle
Domestic Lounge Access
1 complimentary lounge access per quarter on spending ₹75,000 in the preceding quarter.
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
24x7 Roadside Assistance for vehicle breakdowns, including towing, fuel delivery, taxi services.
Not Applicable
Movie Benefits
25% discount, up to ₹100, on movie tickets on BookMyShow and INOX, twice a month.
Not Applicable
Dining Benefits
Dining discounts with the ICICI Bank Culinary Treats Programme at partner restaurants.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver at all HPCL fuel stations across India.
1% waiver on fuel transactions (min ₹400, max ₹250/cycle) at all fuel stations.
Security & Other
Insurance Benefits
Personal Accident Insurance Cover applicable for the RuPay Variant of the card.
Not Applicable
Cash Advance Charges
2.5% of cash withdrawn, subject to a minimum of ₹500.
2.5% of amount withdrawn, subject to a minimum charge of Rs 500.