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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.
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Last updated: 30 September 2026

Both ICICI Bank HPCL Super Saver Credit Card and IndianOil Kotak 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 Kotak Credit Card costs ₹449 + GST and earns 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others. 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 Kotak Credit Card counters with receive an insurance cover worth INR 2 Lakhs for personal accidents. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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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
Joining Fee₹449 + GST
Renewal Fee₹500 + GST
Renewal Fee₹449 + GST
Spend Based WaiverAnnual fee waived if Rs. 1.5 lakh or more is spent in the preceding year.
Spend Based WaiverWaived on annual spend of ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% per month (equivalent to 45% per year) on outstanding balances.
Interest Rate (APR)3.75% per month (45% per annum).

Rewards & Benefits

Welcome Bonus2,000 bonus Reward Points on spending Rs. 5,000 in 45 days & Rs. 100 cashback on HP Pay app.
Welcome Bonus1000 Reward Points on spending ₹500+ within 30 days of card issuance.
Rewards RateUp to 5% savings on HPCL fuel; 5% cashback as RPs on utilities/groceries; 2 RPs per Rs. 100 on others.
Rewards Rate4% on IndianOil fuel, 2% on dining & groceries, 0.5% on other spends & UPI transactions.
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 Access
International Lounge Access
International Lounge Access
Travel BenefitsComplimentary domestic lounge access, 24x7 Roadside Assistance Service, concierge service.
Travel BenefitsReward points redeemable for travel; concierge for car rental & limousine reservations.
Movie Benefits25% discount (max Rs. 100, twice a month) on BookMyShow/Inox, with Rs. 25,000 quarterly spend.
Movie BenefitsConcierge for movie ticket booking; reward points redeemable for movie vouchers.
Dining BenefitsExclusive discounts at partner restaurants under ICICI Bank Culinary Treats Program.
Dining Benefits2% back as Reward Points on dining spends.
Golf Benefits
Golf Benefits
Concierge services available for golf reservations.
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations on transactions between Rs. 400 and Rs. 4,000.
Fuel Surcharge Waiver1% waiver on IndianOil fuel spends (₹100-₹5,000), max ₹100/cycle. Not on UPI.

Security & Other

Insurance BenefitsPersonal Accident Insurance Cover (for RuPay Variant).
Insurance BenefitsPersonal accident insurance cover of ₹2 Lakhs.
Cash Advance Charges2.5% of cash amount withdrawn, subject to a minimum of Rs. 500.
Cash Advance Charges2.5% of amount withdrawn, min. ₹500.
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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 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 Kotak Credit Card is an entry-level co-branded fuel card designed for individuals who frequently refuel at IndianOil outlets and are new to credit. It offers substantial savings on fuel, accelerated reward points on grocery and dining, and a welcome bonus. With flexible redemption options including cashback and IndianOil XTRAREWARDS, along with personal accident insurance and concierge services, it provides a rewarding experience for daily travel and essential spends, making it ideal for budget-conscious users seeking fuel benefits.

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.

Significant savings on fuel at IndianOil outlets with up to 4% value back in reward points.

Accelerated reward points on daily essential spends like groceries and dining (2% value back).

Flexible reward redemption options including cashback, Kotak Rewards, and IndianOil XTRAREWARDS for fuel.

Offers a good welcome bonus of 1000 Reward Points on initial spend, covering the joining fee.

Includes valuable benefits such as ₹2 Lakhs personal accident insurance and concierge services.

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.

Reward points for fuel, dining, and groceries are subject to monthly maximum earning caps.

The card does not provide any complimentary airport or railway lounge access benefits.

Fuel surcharge waiver is not applicable on UPI transactions, limiting savings for some users.

High foreign currency markup of 3.5% makes it less ideal for international spending.

Welcome benefits are only applicable to cardholders who pay the initial joining fee.

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 Kotak Credit Card(opens in new tab)