IndianOil RBL Bank 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.
Fees & Charges
Joining Fee
₹500 + GST
₹500 + GST
Renewal Fee
₹500 + GST
₹500 + GST
Spend Based Waiver
Annual Fee waived on spends of ₹1.75 Lakh in a year.
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Foreign Transaction Fees
3.5% markup on international spends.
3.5% of the transaction amount.
Interest Rate (APR)
2.5% to 3.99% Per Month on outstanding balances.
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
Rewards & Benefits
Welcome Bonus
1,000 Fuel Points
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Rewards Rate
Earn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
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 and Cashback
Reward Redemption Fee
₹99 + GST applies for redemption of reward points.
₹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
Not Applicable
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% fuel surcharge waiver.
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
2.5% or a Minimum of ₹500 for cash withdrawals.
2.5% of cash amount, minimum of ₹500.