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Side-by-Side Comparison|Updated March 2026

SBI Card - SimplyCLICK 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

SBI Card - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
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 - SimplyCLICK SBI CardICICI Bank HPCL Super Saver Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹1,50,000
Base Reward Rate0.0625%0.5%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - SimplyCLICK SBI Card

  • 0% on Partner Brands
  • 0% on All Other 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

SBI Card - SimplyCLICK SBI Card

Pros

  • 10X reward points (2.5% value back) on online partners like Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, and Yatra.
  • 5X reward points (1.25% value back) on all other online spends, making it highly effective for digital shoppers.
  • Milestone e-vouchers worth ₹2,000 each on reaching annual online spend targets of ₹1 Lakh and ₹2 Lakh.
  • Low annual fee of ₹499 which is waived on annual spends of ₹1 Lakh.

Cons

  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on offline transactions.
  • Reward points are not earned on rent payments, fuel, and wallet loads.

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 - SimplyCLICK SBI Card 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 - SimplyCLICK SBI Card if

High reward rates on major e-commerce platforms and partner brands.

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 - SimplyCLICK SBI Card or ICICI Bank HPCL Super Saver Credit Card?
Both SBI Card - SimplyCLICK SBI Card 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 - SimplyCLICK SBI Card and ICICI Bank HPCL Super Saver Credit Card?
SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 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 - SimplyCLICK SBI Card or ICICI Bank HPCL Super Saver Credit Card?
SBI Card - SimplyCLICK SBI Card offers a base reward rate of 0.0625% with accelerated rewards on Partner Brands and All Other 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 SBI Card - SimplyCLICK SBI Card and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - SimplyCLICK 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: SBI Card - SimplyCLICK SBI Card or ICICI Bank HPCL Super Saver Credit Card?
For beginners, SBI Card - SimplyCLICK SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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