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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Platinum Credit Card vs Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card

6.2/10
Annual Fee₹100
Base Rewards0.04000000000000001%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureICICI Bank HPCL Platinum Credit CardAxis Bank Titanium Smart Traveler Credit Card
Annual Fee₹199₹100
Joining Fee₹199₹250
Fee Waiver Spend₹50,000₹50,000
Base Reward Rate0.5%0.04000000000000001%
Reward CurrencyICICI Bank RewardsEDGE Reward Points
NetworkVisaMastercard
Editor Rating6.2/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

Axis Bank Titanium Smart Traveler Credit Card

  • 0% on International Spends
  • 0% on Domestic Travel (Hotels, Ai...

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 Titanium Smart Traveler Credit Card

Pros

  • Accelerated 8X EDGE points on international transactions
  • 4X EDGE points on domestic travel bookings including flights and hotels
  • Extremely low annual fee of ₹100, waivable on ₹50,000 annual spend
  • 15% discount at over 4,000 partner restaurants via Dining Delights

Cons

  • No complimentary airport lounge access
  • Very low base reward rate of 0.2% on general spends
  • High interest rate of 46.78% p.a. if balance is not cleared

Our Verdict

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

Choose ICICI Bank HPCL Platinum Credit Card if

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

Choose Axis Bank Titanium Smart Traveler Credit Card if

Ideal for those who want a low-cost card that provides extra rewards on travel bookings and international spends.

Frequently Asked Questions

Which is better: ICICI Bank HPCL Platinum Credit Card or Axis Bank Titanium Smart Traveler Credit Card?
Both ICICI Bank HPCL Platinum Credit Card and Axis Bank Titanium Smart Traveler 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 ICICI Bank HPCL Platinum Credit Card and Axis Bank Titanium Smart Traveler Credit Card?
ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199, while Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card offers 0.04000000000000001% base rewards with bonuses on International Spends and Domestic Travel (Hotels, Ai.... The better choice depends on your primary spending categories.
Can I have both ICICI Bank HPCL Platinum Credit Card and Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card?
For beginners, Axis Bank Titanium Smart Traveler 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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