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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Super Saver Credit Card vs Axis Bank Vistara Signature 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 Vistara Signature Credit Card

7/10
Annual Fee₹3,000
Base Rewards0.5%
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Feature-by-Feature Comparison

FeatureICICI Bank HPCL Super Saver Credit CardAxis Bank Vistara Signature Credit Card
Annual Fee₹500₹3,000
Joining Fee₹500₹3,000
Fee Waiver Spend₹1,50,000N/A
Base Reward Rate0.5%0.5%
Reward CurrencyICICI Bank Reward PointsMaharaja Points
NetworkVisaVisa
Editor Rating7.2/107/10
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 Vistara Signature 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 Vistara Signature Credit Card

Pros

  • Complimentary Premium Economy ticket voucher on joining and renewal (for renewals before April 18, 2025).
  • Complimentary Club Vistara Silver Membership (transitioning to Maharaja Club) offering priority check-in and extra baggage.
  • High milestone rewards with up to 4 additional Premium Economy tickets on annual spends of ₹9 Lakhs.
  • 3 complimentary rounds of golf at select courses in India.

Cons

  • Rewards are highly specialized for Vistara/Air India and offer low value for non-travel redemptions.
  • Domestic lounge access is now subject to a minimum spend of ₹50,000 in the previous 3 months.
  • Significant devaluation in 2024/2025: Milestone benefits and ticket vouchers discontinued for renewals after April 18, 2025.

Our Verdict

Both ICICI Bank HPCL Super Saver Credit Card and Axis Bank Vistara Signature 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 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 Vistara Signature Credit Card if

Ideal for those who prefer Vistara's Premium Economy service and can hit the ₹1.5L to ₹9L spend milestones for free tickets.

Frequently Asked Questions

Which is better: ICICI Bank HPCL Super Saver Credit Card or Axis Bank Vistara Signature Credit Card?
Both ICICI Bank HPCL Super Saver Credit Card and Axis Bank Vistara Signature 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 Super Saver Credit Card and Axis Bank Vistara Signature Credit Card?
ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500, while Axis Bank Vistara Signature Credit Card has an annual fee of ₹3,000. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Super Saver Credit Card or Axis Bank Vistara Signature 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 Vistara Signature Credit Card offers 0.5% 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 Vistara Signature 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 Vistara Signature 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 Vistara Signature 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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