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Side-by-Side Comparison|Updated March 2026

SBI Card AURUM 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.

SBI Card

SBI Card AURUM

8.5/10
Annual Fee₹9,999
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

FeatureSBI Card AURUMICICI Bank HPCL Super Saver Credit Card
Annual Fee₹9,999₹500
Joining Fee₹9,999₹500
Fee Waiver Spend₹12,00,000₹1,50,000
Base Reward Rate1%0.5%
Reward CurrencyAURUM Reward PointICICI Bank Reward Points
NetworkVisaVisa
Editor Rating8.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card AURUM

No accelerated rewards listed

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

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

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

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

Choose SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite 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.

Frequently Asked Questions

Which is better: SBI Card AURUM or ICICI Bank HPCL Super Saver Credit Card?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Super Saver Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card AURUM and ICICI Bank HPCL Super Saver Credit Card?
SBI Card AURUM has an annual fee of ₹9,999, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: SBI Card AURUM or ICICI Bank HPCL Super Saver Credit Card?
SBI Card AURUM offers a base reward rate of 1%. 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 SBI Card AURUM and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card AURUM and ICICI Bank HPCL Super Saver Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card AURUM or ICICI Bank HPCL Super Saver 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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