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Side-by-Side Comparison|Updated March 2026

HDFC Bank BizBlack Metal 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.

HDFC Bank

HDFC Bank BizBlack Metal Card

9.2/10
Annual Fee₹10,000
Base Rewards1%
NetworkDiners Club
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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

FeatureHDFC Bank BizBlack Metal CardICICI Bank HPCL Super Saver Credit Card
Annual Fee₹10,000₹500
Joining Fee₹10,000₹500
Fee Waiver Spend₹7,50,000₹1,50,000
Base Reward Rate1%0.5%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkDiners ClubVisa
Editor Rating9.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank BizBlack Metal Card

  • 0% on Tax & GST
  • 0% on SmartBuy (Flights/Hotels)
  • 0% on Business Productivity Tools

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

HDFC Bank BizBlack Metal Card

Pros

  • Industry-first 5X Reward Points on Income Tax and GST payments via official portals.
  • Unlimited domestic and international airport lounge access for both primary and add-on members.
  • High reward rate of up to 16.5% on business essential spends like utility and software tools.
  • Premium metal card design with complimentary Club Marriott membership and Taj vouchers.

Cons

  • High annual fee of ₹10,000 + GST which requires significant spend for waiver.
  • Diners Club network may face acceptance issues at smaller local merchants compared to Visa/Mastercard.
  • Accelerated 5X rewards are capped at 7,500 points per statement cycle.

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

HDFC Bank BizBlack Metal 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 HDFC Bank BizBlack Metal Card if

High-value tax and GST payments earn significant rewards, effectively offsetting the tax convenience fees.

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: HDFC Bank BizBlack Metal Card or ICICI Bank HPCL Super Saver Credit Card?
HDFC Bank BizBlack Metal 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 HDFC Bank BizBlack Metal Card and ICICI Bank HPCL Super Saver Credit Card?
HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Card or ICICI Bank HPCL Super Saver Credit Card?
HDFC Bank BizBlack Metal Card offers a base reward rate of 1% with accelerated rewards on Tax & GST and SmartBuy (Flights/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 HDFC Bank BizBlack Metal Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizBlack Metal 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: HDFC Bank BizBlack Metal 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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