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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Super Saver Credit Card vs Axis Bank Reserve 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 Super Saver Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
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Axis Bank

Axis Bank Reserve Credit Card

8.2/10
Annual Fee₹50,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank HPCL Super Saver Credit CardAxis Bank Reserve Credit Card
Annual Fee₹500₹50,000
Joining Fee₹500₹50,000
Fee Waiver Spend₹1,50,000₹35,00,000
Base Reward Rate0.5%0.2%
Reward CurrencyICICI Bank Reward PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating7.2/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

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

Axis Bank Reserve Credit Card

No accelerated rewards listed

Pros & Cons

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.

Axis Bank Reserve Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on members with 12 guest visits.
  • Comprehensive luxury hotel memberships including Accor Plus, Club Marriott, and ITC Culinaire.
  • Low foreign currency markup fee of 1.5%, ideal for high international spenders.
  • 8 complimentary VIP Airport Concierge services for seamless check-in and immigration.

Cons

  • High annual fee of ₹50,000 with no renewal bonus points (discontinued April 2024).
  • Steep annual fee waiver threshold of ₹35 Lakhs.
  • Significant reward exclusions including fuel, gold, insurance, and utilities.

Our Verdict

Axis Bank Reserve Credit 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 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.

Choose Axis Bank Reserve Credit Card if

Offers unparalleled airport services, unlimited lounge access for family, and premium hotel memberships.

Frequently Asked Questions

Which is better: ICICI Bank HPCL Super Saver Credit Card or Axis Bank Reserve Credit Card?
Axis Bank Reserve Credit 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 ICICI Bank HPCL Super Saver Credit Card and Axis Bank Reserve Credit Card?
ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500, while Axis Bank Reserve Credit Card has an annual fee of ₹50,000. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Super Saver Credit Card or Axis Bank Reserve Credit Card?
ICICI Bank HPCL Super Saver Credit Card offers a base reward rate of 0.5% with accelerated rewards on Fuel (HPCL) and Utilities & Groceries. Axis Bank Reserve Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank HPCL Super Saver Credit Card and Axis Bank Reserve Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank HPCL Super Saver Credit Card and Axis Bank Reserve Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank HPCL Super Saver Credit Card or Axis Bank Reserve 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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