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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Platinum Credit Card vs Axis Bank Easy Gold Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
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Axis Bank

Axis Bank Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
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Feature-by-Feature Comparison

FeatureICICI Bank HPCL Platinum Credit CardAxis Bank Easy Gold Credit Card
Annual Fee₹199₹100
Joining Fee₹199Free
Fee Waiver Spend₹50,000₹50,000
Base Reward Rate0.5%0.2%
Reward CurrencyICICI Bank RewardsEDGE Reward Points
NetworkVisaVisa
Editor Rating6.2/105.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

Axis Bank Easy Gold Credit Card

No accelerated rewards listed

Pros & Cons

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).

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

Our Verdict

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

Choose ICICI Bank HPCL Platinum Credit Card if

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

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Frequently Asked Questions

Which is better: ICICI Bank HPCL Platinum Credit Card or Axis Bank Easy Gold Credit Card?
ICICI Bank HPCL Platinum Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank HPCL Platinum Credit Card and Axis Bank Easy Gold Credit Card?
ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199, while Axis Bank Easy Gold Credit Card has an annual fee of ₹100. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Platinum Credit Card or Axis Bank Easy Gold Credit Card?
ICICI Bank HPCL Platinum Credit Card offers a base reward rate of 0.5% with accelerated rewards on Fuel at HPCL. Axis Bank Easy Gold Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank HPCL Platinum Credit Card and Axis Bank Easy Gold Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank HPCL Platinum Credit Card and Axis Bank Easy Gold Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank HPCL Platinum Credit Card or Axis Bank Easy Gold Credit Card?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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