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
The annual fee of ₹500 can be waived by spending ₹1.75 Lakh in a year.
Annual fee waived if ₹1.5 lakh or more is spent in the preceding year.
Foreign Transaction Fees
3.5%
3.5% of the transaction amount.
Interest Rate (APR)
2.5% to 3.99% Per Month
3.75% per month (equivalent to 45% per year) on ATM withdrawals/minimum due paid.
Rewards & Benefits
Welcome Bonus
Receive 1,000 Fuel Points as a welcome benefit upon card issuance.
2,000 bonus Reward Points on fee payment & ₹5k spend, plus ₹100 cashback on HP Pay app fuel purchase.
Rewards Rate
Earn an accelerated 10 Fuel Points for every ₹100 spent at IndianOil fuel stations.
5% savings on HPCL fuel (4% cashback + 1% waiver). 20 RP/₹100 on daily essentials. 2 RP/₹100 on others.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
₹99 + GST
₹99 + GST per redemption request.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
1 complimentary lounge access per quarter on spending ₹75,000 in the preceding quarter.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
24x7 Roadside Assistance for vehicle breakdowns, including towing, fuel delivery, taxi services.
Movie Benefits
Not Applicable
25% discount, up to ₹100, on movie tickets on BookMyShow and INOX, twice a month.
Dining Benefits
Not Applicable
Dining discounts with the ICICI Bank Culinary Treats Programme at partner restaurants.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions.
1% fuel surcharge waiver at all HPCL fuel stations across India.
Security & Other
Insurance Benefits
Not Applicable
Personal Accident Insurance Cover applicable for the RuPay Variant of the card.
Cash Advance Charges
2.5% of the advanced amount or a minimum of ₹500, whichever is higher.
2.5% of cash withdrawn, subject to a minimum of ₹500.