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Side-by-Side Comparison|Updated March 2026

Axis Bank Pride Platinum Credit Card vs ICICI Bank HPCL Platinum 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 Pride Platinum Credit Card

6/10
Annual Fee₹250
Base Rewards0.4%
NetworkVisa
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ICICI Bank

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
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Feature-by-Feature Comparison

FeatureAxis Bank Pride Platinum Credit CardICICI Bank HPCL Platinum Credit Card
Annual Fee₹250₹199
Joining FeeFree₹199
Fee Waiver Spend₹20,000₹50,000
Base Reward Rate0.4%0.5%
Reward CurrencyeDGE Reward PointsICICI Bank Rewards
NetworkVisaVisa
Editor Rating6/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Pride Platinum Credit Card

No accelerated rewards listed

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

Pros & Cons

Axis Bank Pride Platinum Credit Card

Pros

  • Zero joining fee and very low annual fee of ₹250
  • Extremely low annual fee waiver threshold of just ₹20,000 annual spend
  • Personalized card design featuring the Indian Tricolour for Defence personnel
  • Bonus 100 eDGE points every month on spending over ₹5,000

Cons

  • Very low base reward rate of 0.4% (4 points per ₹200)
  • No complimentary domestic or international airport lounge access
  • High finance charges of 55.55% per annum

ICICI Bank HPCL Platinum Credit Card

Pros

  • 2.5% cashback on fuel purchases at HPCL pumps (up to ₹100/month).
  • 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL.
  • ₹100 off on movie tickets twice a month via BookMyShow.
  • Low annual fee of ₹199, waived on spending ₹50,000 annually.

Cons

  • Cashback and surcharge waiver only applicable on ICICI Merchant Services swipe machines.
  • No airport lounge access benefits.
  • Low reward rate on non-fuel retail spends (0.5% value).

Our Verdict

Both Axis Bank Pride Platinum Credit Card and ICICI Bank HPCL Platinum Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Pride Platinum Credit Card if

Specifically designed for Indian Armed Forces with a patriotic design and low maintenance cost.

Choose ICICI Bank HPCL Platinum Credit Card if

Strong fuel savings at HPCL pumps for a very low annual fee.

Frequently Asked Questions

Which is better: Axis Bank Pride Platinum Credit Card or ICICI Bank HPCL Platinum Credit Card?
Both Axis Bank Pride Platinum Credit Card and ICICI Bank HPCL Platinum 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 Axis Bank Pride Platinum Credit Card and ICICI Bank HPCL Platinum Credit Card?
Axis Bank Pride Platinum Credit Card has an annual fee of ₹250, while ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199. Axis Bank Pride Platinum Credit Card offers a fee waiver on ₹20,000 annual spend. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Axis Bank Pride Platinum Credit Card or ICICI Bank HPCL Platinum Credit Card?
Axis Bank Pride Platinum Credit Card offers a base reward rate of 0.4%. ICICI Bank HPCL Platinum Credit Card offers 0.5% base rewards with bonuses on Fuel at HPCL. The better choice depends on your primary spending categories.
Can I have both Axis Bank Pride Platinum Credit Card and ICICI Bank HPCL Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Pride Platinum Credit Card and ICICI Bank HPCL Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Pride Platinum Credit Card or ICICI Bank HPCL Platinum Credit Card?
For beginners, ICICI Bank HPCL Platinum Credit Card may be more approachable with a lower annual fee of ₹199. However, evaluate based on your expected spending pattern rather than fee alone.

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