Vyaya
Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Super Saver Credit Card vs ICICI Bank Emeralde Private Metal 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
View Full Details

ICICI Bank

ICICI Bank Emeralde Private Metal Credit Card

9/10
Annual Fee₹12,499
Base Rewards3%
NetworkMastercard
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank HPCL Super Saver Credit CardICICI Bank Emeralde Private Metal Credit Card
Annual Fee₹500₹12,499
Joining Fee₹500₹12,499
Fee Waiver Spend₹1,50,000₹10,00,000
Base Reward Rate0.5%3%
Reward CurrencyICICI Bank Reward PointsICICI Reward Points
NetworkVisaMastercard
Editor Rating7.2/109/10
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

ICICI Bank Emeralde Private Metal Credit Card

  • 0% on Hotels via iShop
  • 0% on Flights via iShop

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.

ICICI Bank Emeralde Private Metal Credit Card

Pros

  • Unlimited domestic and international lounge access for both primary and add-on cardholders.
  • High base reward rate of 3% (6 points per ₹200) with 1:1 redemption value on travel.
  • Comprehensive welcome benefits including Taj Epicure Plus and EazyDiner Prime memberships.
  • Zero late payment, overlimit, and cash advance fees.

Cons

  • High card replacement fee of ₹3,500 for the metal variant.
  • Taj Epicure membership is only for the first year and not renewed annually.
  • BookMyShow benefit now requires a quarterly spend of ₹25,000 (effective 2026).

Our Verdict

ICICI Bank Emeralde Private Metal 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 ICICI Bank Emeralde Private Metal Credit Card if

Exclusive invite-only access with premium lifestyle and concierge services.

Frequently Asked Questions

Which is better: ICICI Bank HPCL Super Saver Credit Card or ICICI Bank Emeralde Private Metal Credit Card?
ICICI Bank Emeralde Private Metal 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 ICICI Bank Emeralde Private Metal Credit Card?
ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500, while ICICI Bank Emeralde Private Metal Credit Card has an annual fee of ₹12,499. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend. ICICI Bank Emeralde Private Metal Credit Card offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Super Saver Credit Card or ICICI Bank Emeralde Private Metal 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. ICICI Bank Emeralde Private Metal Credit Card offers 3% base rewards with bonuses on Hotels via iShop and Flights via iShop. The better choice depends on your primary spending categories.
Can I have both ICICI Bank HPCL Super Saver Credit Card and ICICI Bank Emeralde Private Metal Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank HPCL Super Saver Credit Card and ICICI Bank Emeralde Private Metal 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 ICICI Bank Emeralde Private Metal 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.

Related Comparisons

ICICI Bank HPCL Super Saver Credit Card vs Axis Bank Magnus Credit CardICICI Bank Emeralde Private Metal Credit Card vs Axis Bank Magnus Credit CardICICI Bank HPCL Super Saver Credit Card vs SBI Card AURUMICICI Bank Emeralde Private Metal Credit Card vs SBI Card AURUM

Explore More

ICICI Bank HPCL Super Saver Credit Card Full ReviewICICI Bank Emeralde Private Metal Credit Card Full ReviewAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips