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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.
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Last updated: 18 July 2026

Both ICICI Bank Platinum Chip Credit Card and ICICI Bank HPCL Super Saver Credit Card suit shopping-focused spenders, but they earn and cost differently. ICICI Bank Platinum Chip Credit Card is lifetime-free and earns 2 RP for ₹100 retail, 1 RP for ₹100 utility/insurance. Up to 12x RP on iShop. 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. ICICI Bank HPCL Super Saver Credit Card also brings 1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder). If shopping spending matters more, go with ICICI Bank Platinum Chip Credit Card; if fuel is the priority, ICICI Bank HPCL Super Saver Credit Card fits better.

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 FeeLifetime Free
Joining Fee₹500 + GST
Renewal FeeLifetime Free
Renewal Fee₹500 + GST
Spend Based WaiverNot applicable as the card is Lifetime Free.
Spend Based WaiverAnnual fee waived if Rs. 1.5 lakh or more is spent in the preceding year.
Foreign Transaction Fees3.5% on all international transactions.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.75% per month (45% per annum) on overdue amounts, ATM withdrawals, and if only the minimum due is paid.
Interest Rate (APR)3.75% per month (equivalent to 45% per year) on outstanding balances.

Rewards & Benefits

Welcome Bonus
Welcome Bonus2,000 bonus Reward Points on spending Rs. 5,000 in 45 days & Rs. 100 cashback on HP Pay app.
Rewards RateEarn 2 Reward Points for every ₹100 spent on retail transactions; 1 Reward Point for every ₹100 on utilities and insurance.
Rewards RateUp to 5% savings on HPCL fuel; 5% cashback as RPs on utilities/groceries; 2 RPs per Rs. 100 on others.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption Fee₹99 + GST per redemption request.
Reward Redemption FeeRs. 99 + GST is charged for every reward redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on Rs. 75,000 spend in previous quarter.
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsComplimentary domestic lounge access, 24x7 Roadside Assistance Service, concierge service.
Movie Benefits
Movie Benefits25% discount (max Rs. 100, twice a month) on BookMyShow/Inox, with Rs. 25,000 quarterly spend.
Dining BenefitsUp to 15% discount at over 2500+ restaurants in India through the ICICI Bank Culinary Treats Programme.
Dining BenefitsExclusive discounts at partner restaurants under ICICI Bank Culinary Treats Program.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions done at HPCL fuel stations. This waiver applies to fuel transactions worth ₹400 to ₹4,000.
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations on transactions between Rs. 400 and Rs. 4,000.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal Accident Insurance Cover (for RuPay Variant).
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
Cash Advance Charges2.5% of cash amount withdrawn, subject to a minimum of Rs. 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 ICICI Bank Platinum Chip Credit Card is an entry-level, lifetime free credit card designed for everyday savings. It offers cardholders reward points on retail, utility, and insurance spends, along with attractive dining discounts through the Culinary Treats Programme. Cardholders also benefit from a 1% fuel surcharge waiver at HPCL pumps, making it a practical choice for daily use. This card is ideal for individuals seeking an affordable credit solution with valuable everyday benefits.

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.

Pros

Key benefits and features.

The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fees.

Earns valuable reward points on everyday retail, utility, and insurance expenditures.

Enjoy significant savings with up to 15% discount on dining via the Culinary Treats Programme.

Benefit from a 1% fuel surcharge waiver at HPCL pumps for transactions between ₹400 and ₹4,000.

Conveniently convert your large purchases into easy and manageable EMI options.

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.

Cons

Key drawbacks and limitations.

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

The card levies a relatively high foreign currency markup fee of 3.5% on international transactions.

High interest rates of 3.75% per month apply to overdue amounts and cash advances.

Significant cash advance fees are charged, which can be costly for emergency withdrawals.

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.

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 Platinum Chip Credit Card(opens in new tab)Apply for ICICI Bank HPCL Super Saver Credit Card(opens in new tab)