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Side-by-Side Comparison|Updated March 2026

Axis Bank Atlas Credit 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.

Axis Bank

Axis Bank Atlas Credit Card

8.8/10
Annual Fee₹5,000
Base Rewards2%
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

FeatureAxis Bank Atlas Credit CardICICI Bank HPCL Super Saver Credit Card
Annual Fee₹5,000₹500
Joining Fee₹5,000₹500
Fee Waiver SpendN/A₹1,50,000
Base Reward Rate2%0.5%
Reward CurrencyEDGE MilesICICI Bank Reward Points
NetworkVisaVisa
Editor Rating8.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Atlas Credit Card

  • 5% on Direct Airlines — 10000 pts/month
  • 5% on Direct Hotels — 10000 pts/month
  • 5% on Travel EDGE Portal — 10000 pts/month

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

Axis Bank Atlas Credit Card

Pros

  • High reward rate of 5 EDGE Miles per ₹100 on direct airline and hotel spends.
  • Flexible 1:2 transfer ratio to major airline and hotel partners like Accor, ITC, and United.
  • Unique tier-based system (Silver, Gold, Platinum) that rewards higher annual spending with more miles and lounge access.
  • Lounge access is sharable with guests, a rare feature in the Indian market.

Cons

  • High foreign currency markup of 3.5% despite being a travel-focused card.
  • Accelerated rewards on travel are capped at ₹2 Lakhs spend per month.
  • Excludes common categories like fuel, rent, insurance, and utilities from reward earning.

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

Axis Bank Atlas Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Super Saver Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Atlas Credit Card if

Excellent for those who book directly with airlines and hotels and value flexible point transfers.

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: Axis Bank Atlas Credit Card or ICICI Bank HPCL Super Saver Credit Card?
Axis Bank Atlas Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Super Saver Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Atlas Credit Card and ICICI Bank HPCL Super Saver Credit Card?
Axis Bank Atlas Credit Card has an annual fee of ₹5,000, 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: Axis Bank Atlas Credit Card or ICICI Bank HPCL Super Saver Credit Card?
Axis Bank Atlas Credit Card offers a base reward rate of 2% with accelerated rewards on Direct Airlines and Direct Hotels. 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 Axis Bank Atlas Credit Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Atlas Credit 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: Axis Bank Atlas Credit 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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