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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Super Saver Credit Card vs ICICI Bank HPCL Coral 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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ICICI Bank

ICICI Bank HPCL Coral Credit Card

6.5/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank HPCL Super Saver Credit CardICICI Bank HPCL Coral Credit Card
Annual Fee₹500₹199
Joining Fee₹500₹199
Fee Waiver Spend₹1,50,000₹50,000
Base Reward Rate0.5%0.5%
Reward CurrencyICICI Bank Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.2/106.5/10
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 HPCL Coral Credit Card

  • 0% on Fuel — 100 pts/month

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 HPCL Coral Credit Card

Pros

  • 2.5% cashback on fuel at HPCL outlets, capped at ₹100 per month.
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL.
  • 25% discount on movie tickets via BookMyShow and INOX twice a month.
  • Low annual fee of ₹199 with a reachable waiver threshold of ₹50,000.

Cons

  • Fuel cashback is capped at a very low ₹100 per month.
  • Lounge access requires a high quarterly spend of ₹75,000.
  • No reward points on fuel, rent, and wallet load transactions.

Our Verdict

ICICI Bank HPCL Super Saver Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Coral 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 HPCL Coral Credit Card if

Strong fit for those who primarily refuel at HPCL stations and want basic cashback.

Frequently Asked Questions

Which is better: ICICI Bank HPCL Super Saver Credit Card or ICICI Bank HPCL Coral Credit Card?
ICICI Bank HPCL Super Saver Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Coral 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 HPCL Coral Credit Card?
ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500, while ICICI Bank HPCL Coral Credit Card has an annual fee of ₹199. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend. ICICI Bank HPCL Coral Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Super Saver Credit Card or ICICI Bank HPCL Coral 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 HPCL Coral Credit Card offers 0.5% base rewards with bonuses on Fuel. The better choice depends on your primary spending categories.
Can I have both ICICI Bank HPCL Super Saver Credit Card and ICICI Bank HPCL Coral 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 HPCL Coral 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 HPCL Coral Credit Card?
For beginners, ICICI Bank HPCL Coral Credit Card may be more approachable with a lower annual fee of ₹199. However, evaluate based on your expected spending pattern rather than fee alone.

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