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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Card SELECT 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 - Tata Card SELECT

7.8/10
Annual Fee₹2,999
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 - Tata Card SELECTICICI Bank HPCL Super Saver Credit Card
Annual Fee₹2,999₹500
Joining Fee₹2,999₹500
Fee Waiver SpendN/A₹1,50,000
Base Reward Rate1%0.5%
Reward CurrencyEmpower PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Card SELECT

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 - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

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 - Tata Card SELECT 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 - Tata Card SELECT if

Maximum value back at brands like Croma, Westside, and Taj Hotels.

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