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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.

Features

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
₹750 + GST
Renewal Fee
₹500 + GST
₹750 + GST
Spend Based Waiver
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Annual fee waived on spending ₹90,000 or more in the previous year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% of the transaction amount for all overseas transactions.
Interest Rate (APR)
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
3.49% per month (41.88% per annum).

Rewards & Benefits

Welcome Bonus
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
100% cashback up to ₹1,500 on fuel transactions within the first 90 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 5% cashback on fuel, telephone & utility bills; 1 reward point per ₹150 on other spends.
Reward Type
Reward Points and Cashback
Reward Points & Cashback
Reward Redemption Fee
₹99 + GST per redemption request.
₹99 per redemption request.

Travel & Lifestyle

Domestic Lounge Access
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
International Lounge Access
No international lounge access benefits are provided with this card.
1 complimentary international lounge access per month via Priority Pass for Premium Banking clients.
Travel Benefits
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Complimentary Priority Pass for Premium Banking Customers, offering access to 1,000+ international lounges.
Movie Benefits
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Exclusive discounts and offers on movies via the Standard Chartered Good Life programme.
Dining Benefits
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Exclusive discounts and offers on dining via the Standard Chartered Good Life programme.
Golf Benefits
No golf benefits are offered with this credit card.
Fuel Surcharge Waiver
1% fuel surcharge waiver applicable at all fuel stations across India.
1% fuel surcharge waiver discontinued from Aug 25, 2024. 5% cashback on fuel (max ₹200/month) applies.

Security & Other

Insurance Benefits
Personal Accident Insurance Cover is provided (for RuPay Variant).
Cash Advance Charges
2.5% of cash amount, minimum of ₹500.
3% of transacted amount, minimum ₹300.
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 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 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.

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.

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.

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 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.

Ready to Choose?

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