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Side-by-Side Comparison|Updated March 2026

Air India SBI Signature Card vs ICICI Bank HPCL Super Saver Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
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ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAir India SBI Signature CardICICI Bank HPCL Super Saver Credit Card
Annual Fee₹4,999₹500
Joining Fee₹4,999₹500
Fee Waiver SpendN/A₹1,50,000
Base Reward Rate0.25%0.5%
Reward CurrencyReward Points / Maharaja PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Air India SBI Signature Card

No accelerated rewards listed

ICICI Bank HPCL Super Saver Credit Card

  • 1.25% on Fuel (HPCL) — 200 pts/month
  • 1.25% on Utilities & Groceries — 400 pts/month
  • 0.38% on HP Pay App Fuel

Pros & Cons

Air India SBI Signature Card

Pros

  • High welcome bonus of 20,000 Reward Points worth up to ₹20,000 in Air India miles.
  • Accelerated 10 Reward Points per ₹100 spent on Air India ticket bookings.
  • Generous milestone benefits offering up to 1,00,000 bonus points annually.
  • 1:1 conversion ratio from Reward Points to Air India Maharaja Points (Air Miles).

Cons

  • High annual fee of ₹4,999 with no standard spend-based waiver.
  • Reward rate on Air India tickets was recently reduced from 30 to 10 points per ₹100.
  • International lounge access via Priority Pass is not complimentary (usage fee applies).

ICICI Bank HPCL Super Saver Credit Card

Pros

  • 5% total value back on fuel at HPCL outlets (4% cashback + 1% surcharge waiver).
  • Accelerated 5% rewards on groceries, departmental stores, and utility bills.
  • Complimentary 24x7 Roadside Assistance (RSA) for vehicle breakdowns.
  • Low annual fee of ₹500 with a reachable waiver threshold of ₹1.5 lakh.

Cons

  • Monthly cashback on fuel is capped at a low ₹200.
  • Accelerated rewards on utilities and groceries capped at 400 points (₹100 value) per month.
  • High spend requirement of ₹75,000 per quarter for domestic lounge access.

Our Verdict

Both Air India SBI Signature Card and ICICI Bank HPCL Super Saver Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Air India SBI Signature Card if

Best value for those who frequently book Air India flights and can maximize the 1:1 mile conversion.

Choose ICICI Bank HPCL Super Saver Credit Card if

Ideal for those spending ₹4,000-₹5,000 monthly on fuel at HPCL to maximize the 5% value back.

Frequently Asked Questions

Which is better: Air India SBI Signature Card or ICICI Bank HPCL Super Saver Credit Card?
Both Air India SBI Signature Card and ICICI Bank HPCL Super Saver Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Air India SBI Signature Card and ICICI Bank HPCL Super Saver Credit Card?
Air India SBI Signature Card has an annual fee of ₹4,999, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: Air India SBI Signature Card or ICICI Bank HPCL Super Saver Credit Card?
Air India SBI Signature Card offers a base reward rate of 0.25%. ICICI Bank HPCL Super Saver Credit Card offers 0.5% base rewards with bonuses on Fuel (HPCL) and Utilities & Groceries. The better choice depends on your primary spending categories.
Can I have both Air India SBI Signature Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Air India SBI Signature Card and ICICI Bank HPCL Super Saver Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Air India SBI Signature Card or ICICI Bank HPCL Super Saver Credit Card?
For beginners, ICICI Bank HPCL Super Saver Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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