Vyaya
Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card vs ICICI Bank HPCL Platinum Credit Card

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

Axis Bank

Samsung Axis Bank Infinite Credit Card

8.2/10
Annual Fee₹5,000
Base Rewards0.2%
NetworkVisa
View Full Details

ICICI Bank

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSamsung Axis Bank Infinite Credit CardICICI Bank HPCL Platinum Credit Card
Annual Fee₹5,000₹199
Joining Fee₹5,000₹199
Fee Waiver Spend₹7,00,000₹50,000
Base Reward Rate0.2%0.5%
Reward CurrencyEdge Reward PointsICICI Bank Rewards
NetworkVisaVisa
Editor Rating8.2/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Samsung Axis Bank Infinite Credit Card

  • 0% on Preferred Partners (Zomato,...
  • 0% on International Spends
  • 0% on Other Domestic Spends

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

Pros & Cons

Samsung Axis Bank Infinite Credit Card

Pros

  • Flat 10% cashback on Samsung products (Smartphones, TVs, Appliances) throughout the year.
  • High reward rate of 15 Edge Points per ₹100 on international spends and preferred partners like Zomato and Myntra.
  • Generous welcome benefit of 30,000 Edge Reward Points worth ₹6,000.
  • Comprehensive lounge access with 8 domestic and 6 international visits annually.

Cons

  • Samsung cashback is capped at ₹5,000 per month and ₹20,000 per year.
  • High annual fee of ₹5,000 with a steep waiver threshold of ₹7 Lakhs.
  • Domestic lounge access is subject to a minimum spend of ₹50,000 in the previous 3 months.

ICICI Bank HPCL Platinum Credit Card

Pros

  • 2.5% cashback on fuel purchases at HPCL pumps (up to ₹100/month).
  • 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL.
  • ₹100 off on movie tickets twice a month via BookMyShow.
  • Low annual fee of ₹199, waived on spending ₹50,000 annually.

Cons

  • Cashback and surcharge waiver only applicable on ICICI Merchant Services swipe machines.
  • No airport lounge access benefits.
  • Low reward rate on non-fuel retail spends (0.5% value).

Our Verdict

Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Samsung Axis Bank Infinite Credit Card if

Best-in-class 10% cashback on all Samsung ecosystem purchases including EMI transactions.

Choose ICICI Bank HPCL Platinum Credit Card if

Strong fuel savings at HPCL pumps for a very low annual fee.

Frequently Asked Questions

Which is better: Samsung Axis Bank Infinite Credit Card or ICICI Bank HPCL Platinum Credit Card?
Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Samsung Axis Bank Infinite Credit Card and ICICI Bank HPCL Platinum Credit Card?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or ICICI Bank HPCL Platinum Credit Card?
Samsung Axis Bank Infinite Credit Card offers a base reward rate of 0.2% with accelerated rewards on Preferred Partners (Zomato,... and International Spends. ICICI Bank HPCL Platinum Credit Card offers 0.5% base rewards with bonuses on Fuel at HPCL. The better choice depends on your primary spending categories.
Can I have both Samsung Axis Bank Infinite Credit Card and ICICI Bank HPCL Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and ICICI Bank HPCL Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Infinite Credit Card or ICICI Bank HPCL Platinum Credit Card?
For beginners, ICICI Bank HPCL Platinum 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.

Related Comparisons

Samsung Axis Bank Infinite Credit Card vs Axis Bank Magnus Credit CardICICI Bank HPCL Platinum Credit Card vs Axis Bank Magnus Credit CardSamsung Axis Bank Infinite Credit Card vs SBI Card ELITEICICI Bank HPCL Platinum Credit Card vs SBI Card ELITE

Explore More

Samsung Axis Bank Infinite Credit Card Full ReviewICICI Bank HPCL Platinum Credit Card Full ReviewAll Axis Bank CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips