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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Super Saver Credit Card vs Paytm HDFC Bank 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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HDFC Bank

Paytm HDFC Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank HPCL Super Saver Credit CardPaytm HDFC Bank Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹1,50,000₹50,000
Base Reward Rate0.5%1%
Reward CurrencyICICI Bank Reward PointsCashpoints
NetworkVisaVisa
Editor Rating7.2/107.2/10
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

Paytm HDFC Bank Credit Card

  • 0% on Paytm Recharges, Utilities,... — 500 pts/month
  • 0% on Other Paytm Spends — 500 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.

Paytm HDFC Bank Credit Card

Pros

  • 3% cashback on Paytm app for recharges, utility bills, and movies.
  • 2% cashback on all other spends within the Paytm ecosystem.
  • 1% flat cashback on all other retail transactions.
  • Joining fee waiver on spending ₹30,000 within the first 90 days.

Cons

  • Monthly cashback caps (₹500 for 3% and 2% categories) limit high-value savings.
  • No complimentary airport lounge access in the base variant.
  • ₹50 redemption fee applicable for statement credit requests.

Our Verdict

Both ICICI Bank HPCL Super Saver Credit Card and Paytm HDFC Bank 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 Paytm HDFC Bank Credit Card if

Ideal for those who use Paytm for all utility bills, recharges, and movie bookings to maximize the 3% tier.

Frequently Asked Questions

Which is better: ICICI Bank HPCL Super Saver Credit Card or Paytm HDFC Bank Credit Card?
Both ICICI Bank HPCL Super Saver Credit Card and Paytm HDFC Bank 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 Paytm HDFC Bank Credit Card?
ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500, while Paytm HDFC Bank Credit Card has an annual fee of ₹500. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend. Paytm HDFC Bank Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Super Saver Credit Card or Paytm HDFC Bank 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. Paytm HDFC Bank Credit Card offers 1% base rewards with bonuses on Paytm Recharges, Utilities,... and Other Paytm Spends. The better choice depends on your primary spending categories.
Can I have both ICICI Bank HPCL Super Saver Credit Card and Paytm HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank HPCL Super Saver Credit Card and Paytm HDFC Bank 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 Paytm HDFC Bank 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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