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Side-by-Side Comparison|Updated March 2026

BPCL SBI 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

BPCL SBI Card

7.8/10
Annual Fee₹499
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%
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Feature-by-Feature Comparison

FeatureBPCL SBI CardICICI Bank HPCL Super Saver Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹50,000₹1,50,000
Base Reward Rate0.25%0.5%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

BPCL SBI Card

  • 0% on Fuel (BPCL) — 1300 pts/month
  • 0% on Dining, Grocery, Movies, De... — 5000 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

BPCL SBI Card

Pros

  • 4.25% valueback on fuel purchases at BPCL petrol pumps.
  • 5X reward points on dining, groceries, and movies.
  • Low annual fee waiver threshold of ₹50,000.
  • Instant reward redemption for fuel at 1,200+ BPCL outlets.

Cons

  • No complimentary lounge access.
  • Monthly cap of 1,300 points on fuel rewards limits high-volume users.
  • Reward redemption fee of ₹99 applies to non-fuel redemptions.

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

BPCL SBI 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 BPCL SBI Card if

Strong valueback on fuel for those who primarily use BPCL stations for their daily commute.

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: BPCL SBI Card or ICICI Bank HPCL Super Saver Credit Card?
BPCL SBI 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 BPCL SBI Card and ICICI Bank HPCL Super Saver Credit Card?
BPCL SBI Card has an annual fee of ₹499, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. BPCL SBI Card offers a fee waiver on ₹50,000 annual spend. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: BPCL SBI Card or ICICI Bank HPCL Super Saver Credit Card?
BPCL SBI Card offers a base reward rate of 0.25% with accelerated rewards on Fuel (BPCL) and Dining, Grocery, Movies, De.... 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 BPCL SBI Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. BPCL SBI 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: BPCL SBI Card or ICICI Bank HPCL Super Saver Credit Card?
For beginners, BPCL SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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