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ICICI Bank HPCL Super Saver Credit Card VS Kotak 811 #DreamDifferent 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: 18 July 2026

Kotak 811 #DreamDifferent is a secured, FD-backed card with zero joining and renewal fees, earning 4 Reward Points per ₹100 on online spends and a modest fuel surcharge waiver capped at ₹3,500/year - built for new-to-credit users rather than heavy fuel spenders. ICICI Bank HPCL Super Saver charges ₹500 + GST but delivers real fuel value - 5% savings on HPCL fuel, spend-based lounge access, and dining discounts. If you're building credit from scratch or don't want a security deposit tied up, Kotak 811 is the safer entry point; if you regularly fill up at HPCL and want fuel-specific savings plus travel perks, HPCL Super Saver's fee is justified.

ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
Kotak 811 #DreamDifferent Credit Card
Kotak 811 #DreamDifferent Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining FeeLifetime Free
Renewal Fee₹500 + GST
Renewal FeeLifetime Free
Spend Based WaiverAnnual fee waived if Rs. 1.5 lakh or more is spent in the preceding year.
Spend Based Waiver
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% on all international transactions.
Interest Rate (APR)3.75% per month (equivalent to 45% per year) on outstanding balances.
Interest Rate (APR)3.75% per month (45% annually).

Rewards & Benefits

Welcome Bonus2,000 bonus Reward Points on spending Rs. 5,000 in 45 days & Rs. 100 cashback on HP Pay app.
Welcome BonusReceive 500 bonus Reward Points on spending ₹5,000 or more within the first 45 days.
Rewards RateUp to 5% savings on HPCL fuel; 5% cashback as RPs on utilities/groceries; 2 RPs per Rs. 100 on others.
Rewards RateEarn 4 RP for every ₹100 online spends; 1 RP for every ₹100 on other 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 Benefits1.8% railway surcharge waiver on irctc.co.in, 2.5% on counters (max ₹500/year).
Movie Benefits25% discount (max Rs. 100, twice a month) on BookMyShow/Inox, with Rs. 25,000 quarterly spend.
Movie Benefits
Dining BenefitsExclusive discounts at partner restaurants under ICICI Bank Culinary Treats Program.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations on transactions between Rs. 400 and Rs. 4,000.
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹4,000, max ₹3,500 per year.

Security & Other

Insurance BenefitsPersonal Accident Insurance Cover (for RuPay Variant).
Insurance Benefits
Cash Advance Charges2.5% of cash amount withdrawn, subject to a minimum of Rs. 500.
Cash Advance Charges₹300 per ₹10,000 withdrawal; ₹100 processing fee; interest-free for up to 48 days.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

Kotak 811 #DreamDifferent 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 Kotak 811 #DreamDifferent Credit Card is a secured credit card, ideal for individuals looking to build credit history without income proof, as it's issued against a Fixed Deposit. It's lifetime free with no joining or annual fees, making it highly accessible. Cardholders enjoy attractive rewards on online spends, welcome benefits, milestone rewards, and valuable waivers on fuel and railway surcharges. This card is an excellent entry-level option for those seeking a secured card with significant 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.

Lifetime free card with no joining or annual fees, making it highly affordable.

Excellent for building credit history, issued against FD without income proof.

Attractive rewards on online purchases and valuable waivers on fuel and railway.

Offers welcome benefits and milestone rewards, enhancing overall card value.

Provides interest-free cash withdrawals for up to 48 days, a rare benefit.

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.

Requires a minimum Fixed Deposit of ₹10,000, which might be a barrier.

Foreign currency markup of 3.5% is relatively high for international transactions.

High interest rate of 45% annually if card balances are not paid in full.

Reward points are not earned on fuel, railway, and cash withdrawal transactions.

Maximum fuel and railway surcharge waivers are capped annually, limiting benefits.

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 Kotak 811 #DreamDifferent Credit Card(opens in new tab)