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Side-by-Side Comparison|Updated March 2026

Accelero ICICI Bank 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.

ICICI Bank

Accelero ICICI Bank Credit Card

7/10
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%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

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

Accelerated Rewards

Accelero ICICI Bank Credit Card

No accelerated rewards listed

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

Accelero ICICI Bank Credit Card

Pros

  • Comprehensive 24x7 Roadside Assistance (RSA) including towing, fuel delivery, and taxi services.
  • 2.5% cashback on fuel purchases at HPCL pumps, capped at ₹200 per month.
  • Complimentary car wash and general vehicle check-up once a year.
  • 25% discount on movie tickets (up to ₹100) twice a month on BookMyShow and INOX.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100).
  • Fuel cashback is capped at a relatively low amount of ₹200 per month.
  • Lounge access requires a high quarterly spend of ₹75,000 (as per latest ICICI policy).

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

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

Choose Accelero ICICI Bank Credit Card if

The card offers extensive roadside assistance and car maintenance perks like free washes.

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: Accelero ICICI Bank Credit Card or ICICI Bank HPCL Super Saver Credit Card?
ICICI Bank HPCL Super Saver Credit Card edges ahead overall with a stronger combination of rewards and value. However, Accelero ICICI Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Accelero ICICI Bank Credit Card and ICICI Bank HPCL Super Saver Credit Card?
Accelero ICICI Bank Credit Card has an annual fee of ₹499, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. Accelero ICICI Bank Credit Card offers a fee waiver on ₹1,25,000 annual spend. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: Accelero ICICI Bank Credit Card or ICICI Bank HPCL Super Saver Credit Card?
Accelero ICICI Bank Credit Card offers a base reward rate of 0.25%. 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 Accelero ICICI Bank Credit Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Accelero ICICI Bank 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: Accelero ICICI Bank Credit Card or ICICI Bank HPCL Super Saver Credit Card?
For beginners, Accelero ICICI Bank Credit 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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