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ICICI Bank Platinum Chip Credit Card VS ICICI Bank HPCL Super Saver 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 Platinum Chip Credit Card
ICICI Bank Platinum Chip Credit Card
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card

Fees & Charges

Joining Fee
Nil
₹500 + GST
Renewal Fee
Nil
₹500 + GST
Spend Based Waiver
Not Applicable
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Foreign Transaction Fees
3.5%
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (45% p.a.) on overdue & ATM cash.
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.

Rewards & Benefits

Welcome Bonus
Not Applicable
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Rewards Rate
Earn 2 RP for ₹100 retail, 1 RP for ₹100 utility/insurance. Up to 12x RP on iShop.
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
₹99 + GST per redemption request.
₹99 + GST per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
International Lounge Access
Not Applicable
No international lounge access benefits are provided with this card.
Travel Benefits
Not Applicable
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Movie Benefits
Not Applicable
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Dining Benefits
Avail up to 15% discount on dining through the ICICI Bank Culinary Treats Programme across 2500+ restaurants in India.
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Golf Benefits
Not Applicable
No golf benefits are offered with this credit card.
Fuel Surcharge Waiver
1% waiver on ₹400-₹4,000 transactions at HPCL pumps.
1% fuel surcharge waiver applicable at all fuel stations across India.

Security & Other

Insurance Benefits
Not Applicable
Personal Accident Insurance Cover is provided (for RuPay Variant).
Cash Advance Charges
Higher of ₹500 or 2.5% of the amount withdrawn.
2.5% of cash amount, minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Platinum Chip Credit Card

ICICI Bank HPCL Super Saver Credit Card

Who is it for?

The Platinum Chip Credit Card from ICICI Bank is a cost-free option with zero joining and annual fees. It provides excellent opportunities to earn reward points on most purchases, which can be redeemed for various options including cashback. Cardholders benefit from a 1% fuel surcharge waiver at HPCL pumps and exclusive dining discounts, making it ideal for everyday spends and lifestyle perks while offering robust security features.

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.

Pros

Key benefits and features.

Enjoy the freedom of a credit card with absolutely no joining or annual fees.

Benefit from earning reward points on a wide range of retail and utility spends.

Access exclusive dining discounts up to 15% via the Culinary Treats Programme.

Get a valuable 1% fuel surcharge waiver on transactions at HPCL petrol pumps.

Enhanced transaction security with embedded microchip and PIN verification for purchases.

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.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is charged for each reward point redemption request.

A significant 3.5% foreign currency markup applies to all international transactions.

High interest rates of 3.75% per month are applicable on overdue amounts.

The Platinum Chip Credit Card does not offer any specific welcome benefits.

Cash advance transactions incur charges which are quite substantial.

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.

Ready to Choose?

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