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Side-by-Side Comparison|Updated March 2026

SBI Card ELITE 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 ELITE

7.2/10
Annual Fee₹4,999
Base Rewards0.5%
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 ELITEICICI Bank HPCL Super Saver Credit Card
Annual Fee₹4,999₹500
Joining Fee₹4,999₹500
Fee Waiver Spend₹10,00,000₹1,50,000
Base Reward Rate0.5%0.5%
Reward CurrencySBI Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card ELITE

  • 0.62% on Dining
  • 0.62% on Departmental Stores
  • 0.62% on Grocery

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 ELITE

Pros

  • Complimentary movie tickets worth ₹6,000 annually (₹500 per month).
  • Low foreign currency markup of 1.99% compared to the standard 3.5%.
  • High milestone rewards of up to 50,000 bonus points worth ₹12,500.
  • Comprehensive lounge access with 8 domestic and 6 international visits per year.

Cons

  • High annual fee waiver threshold of ₹10 Lakhs.
  • Base reward rate is relatively low at 0.5% for a premium card.
  • Club Vistara and Trident memberships have been discontinued for new users.

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 SBI Card ELITE 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 SBI Card ELITE if

The monthly ₹500 movie ticket benefit effectively covers the annual fee.

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 ELITE or ICICI Bank HPCL Super Saver Credit Card?
Both SBI Card ELITE 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 SBI Card ELITE and ICICI Bank HPCL Super Saver Credit Card?
SBI Card ELITE has an annual fee of ₹4,999, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. SBI Card ELITE offers a fee waiver on ₹10,00,000 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 ELITE or ICICI Bank HPCL Super Saver Credit Card?
SBI Card ELITE offers a base reward rate of 0.5% with accelerated rewards on Dining and Departmental Stores. 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 ELITE and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card ELITE 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 ELITE 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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