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Side-by-Side Comparison|Updated March 2026

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

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

IndianOil HDFC Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.128%
NetworkRuPay
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ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureIndianOil HDFC Bank Credit CardICICI Bank HPCL Super Saver Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹50,000₹1,50,000
Base Reward Rate0.128%0.5%
Reward CurrencyFuel PointICICI Bank Reward Points
NetworkRuPayVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

IndianOil HDFC Bank Credit Card

  • 0% on IndianOil Fuel — 150 pts/month
  • 0% on Groceries — 100 pts/month
  • 0% on Bill Payments — 100 pts/month

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

Pros & Cons

IndianOil HDFC Bank Credit Card

Pros

  • High 5% reward rate on fuel at IndianOil outlets with a value of ₹0.96 per point.
  • Accelerated 5% rewards on groceries and utility bill payments.
  • Low annual fee of ₹500 with an easy waiver at ₹50,000 annual spend.
  • RuPay variant allows UPI payments, earning 1 Fuel Point per ₹150.

Cons

  • Monthly reward capping on fuel points is relatively low (150 FP after 6 months).
  • No complimentary domestic or international lounge access.
  • Reward value drops significantly (to ₹0.20) if not redeemed for fuel.

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.

Our Verdict

Both IndianOil HDFC Bank Credit Card and ICICI Bank HPCL Super Saver Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose IndianOil HDFC Bank Credit Card if

Strong value back on fuel at IndianOil outlets and utility bills.

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.

Frequently Asked Questions

Which is better: IndianOil HDFC Bank Credit Card or ICICI Bank HPCL Super Saver Credit Card?
Both IndianOil HDFC Bank Credit Card and ICICI Bank HPCL Super Saver 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 IndianOil HDFC Bank Credit Card and ICICI Bank HPCL Super Saver Credit Card?
IndianOil HDFC Bank Credit Card has an annual fee of ₹500, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. IndianOil HDFC Bank Credit Card offers a fee waiver on ₹50,000 annual spend. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: IndianOil HDFC Bank Credit Card or ICICI Bank HPCL Super Saver Credit Card?
IndianOil HDFC Bank Credit Card offers a base reward rate of 0.128% with accelerated rewards on IndianOil Fuel and Groceries. ICICI Bank HPCL Super Saver Credit Card offers 0.5% base rewards with bonuses on Fuel (HPCL) and Utilities & Groceries. The better choice depends on your primary spending categories.
Can I have both IndianOil HDFC Bank Credit Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. IndianOil HDFC Bank Credit Card and ICICI Bank HPCL Super Saver Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: IndianOil HDFC Bank Credit Card or ICICI Bank HPCL Super Saver Credit Card?
For beginners, IndianOil HDFC Bank 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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