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Side-by-Side Comparison|Updated March 2026

CASHBACK SBI 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.

SBI Card

CASHBACK SBI Card

8.5/10
Annual Fee₹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%
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Feature-by-Feature Comparison

FeatureCASHBACK SBI CardICICI Bank HPCL Super Saver Credit Card
Annual Fee₹999₹500
Joining Fee₹999₹500
Fee Waiver Spend₹2,00,000₹1,50,000
Base Reward Rate1%0.5%
Reward CurrencyCashbackICICI Bank Reward Points
NetworkVisaVisa
Editor Rating8.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

CASHBACK SBI Card

  • 0% on Online Spends

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

CASHBACK SBI Card

Pros

  • Flat 5% cashback on almost all online spends without merchant restrictions.
  • 1% flat cashback on all offline spends and utility payments.
  • Cashback is auto-credited to the statement within 2 days of statement generation.
  • Simple annual fee waiver at ₹2 lakh annual spend.

Cons

  • Monthly cashback capped at ₹4,000 (₹2,000 online / ₹2,000 offline) from April 2026.
  • No complimentary domestic or international airport lounge access.
  • Extensive list of exclusions including rent, fuel, wallet loads, and government transactions.

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

CASHBACK SBI Card 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 CASHBACK SBI Card if

Highest flat cashback rate of 5% across all e-commerce platforms like Amazon, Flipkart, and Myntra.

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: CASHBACK SBI Card or ICICI Bank HPCL Super Saver Credit Card?
CASHBACK SBI Card 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 CASHBACK SBI Card and ICICI Bank HPCL Super Saver Credit Card?
CASHBACK SBI Card has an annual fee of ₹999, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. CASHBACK SBI Card offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: CASHBACK SBI Card or ICICI Bank HPCL Super Saver Credit Card?
CASHBACK SBI Card offers a base reward rate of 1% with accelerated rewards on Online 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 CASHBACK SBI Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. CASHBACK SBI 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: CASHBACK SBI Card 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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