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ICICI Bank HPCL Super Saver Credit Card VS IndianOil Kotak 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 Kotak Credit Card
IndianOil Kotak Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹449 + GST
Renewal Fee
₹500 + GST
₹449 + GST
Spend Based Waiver
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Annual fee of ₹449 waived on spending ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5%
Interest Rate (APR)
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
3.75% per month (Annualized @ 45%), effective from 1st June 2025.

Rewards & Benefits

Welcome Bonus
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
1000 Reward Points on spending INR 500 or more 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 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others.
Reward Type
Reward Points & Cashback
Reward Points
Reward Redemption Fee
₹99 + GST per redemption request.
Nil

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).
Concierge services for car rental, limousine, travel booking assistance (Rupay variant only).
Movie Benefits
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Movie vouchers available for redemption through the Kotak Rewards portal.
Dining Benefits
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Earn 2% back as Reward Points on dining spends, capped at 800 RP per cycle.
Golf Benefits
No golf benefits are offered with this credit card.
Concierge services include golf reservations for Rupay variant cardholders.
Fuel Surcharge Waiver
1% fuel surcharge waiver applicable at all fuel stations across India.
1% waiver on IndianOil fuel transactions between ₹100-₹5000, max ₹100 per statement cycle.

Security & Other

Insurance Benefits
Personal Accident Insurance Cover is provided (for RuPay Variant).
Receive an insurance cover worth INR 2 Lakhs for personal accidents.
Cash Advance Charges
2.5% of cash amount, minimum of ₹500.
2.5% on the advance amount, subject to a minimum of ₹500, effective from 1st June 2025.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

IndianOil Kotak 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 Kotak Credit Card is a co-branded fuel credit card offering significant savings on IndianOil fuel, with up to 5% value back. It provides accelerated rewards on dining and groceries, a welcome bonus of 1000 Reward Points, and a 1% fuel surcharge waiver. Ideal for frequent travelers and new credit users, the card also includes personal accident insurance and flexible redemption options.

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.

Significant savings potential on IndianOil fuel purchases with a 5% value back.

Accelerated rewards on essential spends like dining and groceries enhance daily value.

Valuable welcome benefit of 1000 reward points on initial spend within 30 days.

Complimentary personal accident insurance cover of ₹2 Lakhs provides added security.

Annual fee waiver easily achievable by spending ₹50,000 yearly.

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.

Monthly capping limits on reward points for fuel, dining, and grocery spends restrict maximum earnings.

Cashback redemption requires a minimum of 2000 points, potentially delaying benefits.

Higher foreign currency markup of 3.5% makes international spends less rewarding.

Various new fees on wallet, education, and utility effective from June 2025.

No complimentary domestic or international airport lounge access included with the card.

Ready to Choose?

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