Vyaya
Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI 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.

SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
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

FeatureDelhi Metro SBI CardICICI Bank HPCL Platinum Credit Card
Annual Fee₹499₹199
Joining Fee₹499₹199
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate0.25%0.5%
Reward CurrencyReward PointsICICI Bank Rewards
NetworkVisaVisa
Editor Rating7.2/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

Pros & Cons

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

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

Delhi Metro SBI 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 Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

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: Delhi Metro SBI Card or ICICI Bank HPCL Platinum Credit Card?
Delhi Metro SBI 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 Delhi Metro SBI Card and ICICI Bank HPCL Platinum Credit Card?
Delhi Metro SBI Card has an annual fee of ₹499, while ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or ICICI Bank HPCL Platinum Credit Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. 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 Delhi Metro SBI Card and ICICI Bank HPCL Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and ICICI Bank HPCL Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI 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.

Explore More

Delhi Metro SBI Card Full ReviewICICI Bank HPCL Platinum Credit Card Full ReviewAll SBI Card CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips