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ICICI Bank HPCL Super Saver Credit Card VS Standard Chartered Super Value Titanium 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

Both ICICI Bank HPCL Super Saver Credit Card and Standard Chartered Super Value Titanium 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. Standard Chartered Super Value Titanium Credit Card costs ₹750 + GST and earns 5% cashback on fuel, telephone & utility bills; 1 reward point per ₹150 on other spends. ICICI Bank HPCL Super Saver Credit Card also brings 1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder), while Standard Chartered Super Value Titanium Credit Card counters with 1 complimentary international lounge access per month via Priority Pass for Premium Banking clients. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
Standard Chartered Super Value Titanium Credit Card
Standard Chartered Super Value Titanium Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹750 + GST
Renewal Fee₹500 + GST
Renewal Fee₹750 + GST
Spend Based WaiverAnnual fee waived if Rs. 1.5 lakh or more is spent in the preceding year.
Spend Based WaiverAnnual fee waived on spending ₹90,000 or more in the previous year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount for all overseas transactions.
Interest Rate (APR)3.75% per month (equivalent to 45% per year) on outstanding balances.
Interest Rate (APR)3.49% per month (41.88% 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 Bonus100% cashback up to ₹1,500 on fuel transactions within the first 90 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 RateEarn 5% cashback on fuel, telephone & utility bills; 1 reward point per ₹150 on other spends.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption FeeRs. 99 + GST is charged for every reward redemption request.
Reward Redemption Fee₹99 per redemption request.

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 Access1 complimentary international lounge access per month via Priority Pass for Premium Banking clients.
Travel BenefitsComplimentary domestic lounge access, 24x7 Roadside Assistance Service, concierge service.
Travel BenefitsComplimentary Priority Pass for Premium Banking Customers, offering access to 1,000+ international lounges.
Movie Benefits25% discount (max Rs. 100, twice a month) on BookMyShow/Inox, with Rs. 25,000 quarterly spend.
Movie BenefitsExclusive discounts and offers on movies via the Standard Chartered Good Life programme.
Dining BenefitsExclusive discounts at partner restaurants under ICICI Bank Culinary Treats Program.
Dining BenefitsExclusive discounts and offers on dining via the Standard Chartered Good Life programme.
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% fuel surcharge waiver discontinued from Aug 25, 2024. 5% cashback on fuel (max ₹200/month) applies.

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 Charges3% of transacted amount, minimum ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Super Saver Credit Card

Standard Chartered Super Value Titanium 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 Standard Chartered Super Value Titanium Credit Card is ideal for individuals with high spending on fuel, telephone, and utility bills, offering a generous 5% cashback in these categories. It provides a welcome benefit of 100% cashback up to ₹1,500 on initial fuel purchases. Premium Banking Customers enjoy a lifetime free card with complimentary international lounge access. While it offers substantial savings on recurring expenses, note the upcoming discontinuation of the fuel surcharge waiver. This card is best suited for maximizing savings on daily essentials and for Standard Chartered's premium clientele.

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.

Enjoy a high 5% cashback on essential spends like fuel, telephone, and utility bills.

Receive 100% cashback up to ₹1,500 on fuel transactions within the first 90 days.

Premium Banking Customers get a lifetime free card with complimentary international lounge access.

Benefit from a lifetime free supplementary credit card for your family members.

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.

The 1% fuel surcharge waiver will be discontinued from August 25, 2024.

Total monthly cashback across key categories is capped at a relatively low ₹500.

A redemption fee of ₹99 is charged for every reward point redemption request.

High foreign currency markup of 3.5% makes international spends expensive.

This credit card does not offer any complimentary domestic airport lounge access.

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 Standard Chartered Super Value Titanium Credit Card(opens in new tab)