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ICICI Bank HPCL Super Saver Credit Card VS IndianOil RBL 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.

Features

ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
IndianOil RBL Bank Credit Card
IndianOil RBL Bank Credit Card

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.
Annual Fee waived on spends of ₹1.75 Lakh in a year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% markup on international spends.
Interest Rate (APR)
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
2.5% to 3.99% Per Month 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.
1,000 Fuel Points
Rewards Rate
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
Earn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
Reward Type
Reward Points and Cashback
Reward Points
Reward Redemption Fee
₹99 + GST per redemption request.
₹99 + GST applies for redemption of reward points.

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% fuel surcharge waiver.

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% or a Minimum of ₹500 for cash withdrawals.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

IndianOil RBL Bank 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 RBL Bank Credit Card is a co-branded card tailored for fuel expenses at IndianOil outlets. It offers an exceptional 5% reward rate on fuel purchases, along with a 1% fuel surcharge waiver, leading to significant savings. With an affordable fee and the option for an annual fee waiver, it's an ideal choice for individuals seeking a dedicated fuel credit card, offering up to ₹6,000 in annual fuel savings.

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.

Highly advantageous credit card for those who frequently purchase fuel at IndianOil stations.

Offers an excellent reward rate of 5% on fuel purchases, ensuring significant savings.

Considered one of the best co-branded credit cards for fuel purchases at IndianOil Outlets.

Affordable ₹500 fee makes it ideal for individuals seeking their first fuel credit card.

Potential annual savings of up to ₹6,000 on fuel expenditure at IndianOil outlets.

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.

The card does not offer a high reward rate for spending on categories other than fuel.

Limited benefits beyond fuel, making it less versatile for diverse spending needs.

A rewards redemption fee of ₹99 + GST applies, reducing the overall reward value slightly.

Ready to Choose?

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