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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Business 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

Paytm HDFC Bank Business Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeaturePaytm HDFC Bank Business 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 Rate1%0.5%
Reward CurrencyCashPointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm HDFC Bank Business Credit Card

  • 0% on Paytm Recharge, Utility, Mo... — 500 pts/month
  • 0% on Other Paytm Spends — 500 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

Paytm HDFC Bank Business Credit Card

Pros

  • 3% cashback on Paytm ecosystem including recharges, utilities, and movies
  • 1:1 redemption ratio (1 CashPoint = ₹1) when used for statement credit
  • Low annual fee waiver threshold of ₹50,000
  • Complimentary Paytm First Membership upon card activation

Cons

  • Monthly reward caps are relatively low (₹500 for 3% category)
  • No complimentary airport lounge access
  • Excludes rent and education spends from reward accrual

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 Paytm HDFC Bank Business 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 Paytm HDFC Bank Business Credit Card if

Strong rewards on recurring business expenses like utility bills and recharges via Paytm.

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: Paytm HDFC Bank Business Credit Card or ICICI Bank HPCL Super Saver Credit Card?
Both Paytm HDFC Bank Business 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 Paytm HDFC Bank Business Credit Card and ICICI Bank HPCL Super Saver Credit Card?
Paytm HDFC Bank Business Credit Card has an annual fee of ₹500, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. Paytm HDFC Bank Business 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: Paytm HDFC Bank Business Credit Card or ICICI Bank HPCL Super Saver Credit Card?
Paytm HDFC Bank Business Credit Card offers a base reward rate of 1% with accelerated rewards on Paytm Recharge, Utility, Mo... and Other Paytm Spends. 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 Paytm HDFC Bank Business Credit Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm HDFC Bank Business 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: Paytm HDFC Bank Business Credit Card or ICICI Bank HPCL Super Saver Credit Card?
For beginners, Paytm HDFC Bank Business 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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