Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | HDFC Bank IndianOil HDFC Bank Credit Card | ICICI Bank ICICI Bank HPCL Super Saver Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | ICICI Bank |
| Network | RuPay | Visa + RuPay |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹50,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.6% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 4.8% · Bill-payment Fuel Points | 5% · Utility and telecom rewards |
| Groceries & essentials | 4.8% · Grocery Fuel Points | 5% · Grocery rewards |
| Fuel & commute | 0.6% · IndianOil swipe Fuel Points | 4% · HPCL fuel cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | HPCL fuel cashback: ₹200/month |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹12,000/month salaried · ₹50,000/month self-employed | Approx. ₹20,000/month salaried · ₹20,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | IndianOil customers who also want reward coverage on groceries and utility bills. | Budget-conscious households that consistently refuel at HPCL and spend on groceries and utility bills. |
| Main trade-off | The eligible IndianOil fuel earn is capped at 150 points per month after the first six months; accelerated fuel rewards do not apply to UPI fuel transactions. | The 400-point essentials cap is shared per statement cycle. Movie access needs ₹25,000 and lounge access ₹75,000 in the preceding quarter; waived annual fee removes roadside assistance eligibility. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
