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 + GST
Renewal Fee
₹500 + GST
₹500 + GST
Spend Based Waiver
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
3.75% per month (45% per annum) on revolving credit balance.
Rewards & Benefits
Welcome Bonus
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points and Cashback
Fuel Points
Reward Redemption Fee
₹99 + GST per redemption request.
₹99 + GST applies for reward point redemption.
Travel & Lifestyle
Domestic Lounge Access
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
Not Applicable
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).
Not Applicable
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.
Not Applicable
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 on fuel transactions (min ₹400), capped at ₹250 per statement cycle.
Security & Other
Insurance Benefits
Personal Accident Insurance Cover is provided (for RuPay Variant).
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% of cash amount, minimum of ₹500.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.