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Side-by-Side Comparison|Updated March 2026

Miles & More Axis Bank World 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

Miles & More Axis Bank World Credit Card

7.2/10
Annual Fee₹3,500
Base Rewards0.9000000000000001%
NetworkMastercard
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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

FeatureMiles & More Axis Bank World Credit CardICICI Bank HPCL Super Saver Credit Card
Annual Fee₹3,500₹500
Joining Fee₹3,500₹500
Fee Waiver SpendN/A₹1,50,000
Base Reward Rate0.9000000000000001%0.5%
Reward CurrencyAward MilesICICI Bank Reward Points
NetworkMastercardVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Miles & More Axis Bank World Credit Card

  • 4.5% on ENTERTAINMENT

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

Miles & More Axis Bank World Credit Card

Pros

  • Generous welcome bonus of 5,000 Award Miles upon first transaction
  • Annual renewal bonus of 3,000 Award Miles ensures recurring value
  • Miles do not expire as long as you hold the card and make at least one miles-earning purchase per month
  • High reward rate on movie spends (20 miles per ₹200 spent)

Cons

  • High annual fee of ₹3,500 with no specified spend-based waiver
  • Domestic lounge access is subject to a spend of ₹50,000 in the previous 3 months
  • Miles are primarily valuable for Star Alliance partners, limiting flexibility compared to generic points

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 Miles & More Axis Bank World Credit 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 Miles & More Axis Bank World Credit Card if

Travelers who frequently fly with Lufthansa, Swiss Air, or other Star Alliance partners.

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: Miles & More Axis Bank World Credit Card or ICICI Bank HPCL Super Saver Credit Card?
Both Miles & More Axis Bank World Credit 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 Miles & More Axis Bank World Credit Card and ICICI Bank HPCL Super Saver Credit Card?
Miles & More Axis Bank World Credit Card has an annual fee of ₹3,500, 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: Miles & More Axis Bank World Credit Card or ICICI Bank HPCL Super Saver Credit Card?
Miles & More Axis Bank World Credit Card offers a base reward rate of 0.9000000000000001% with accelerated rewards on ENTERTAINMENT. 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 Miles & More Axis Bank World Credit Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Miles & More Axis Bank World 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: Miles & More Axis Bank World 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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