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| Feature | ICICI Bank ICICI Bank HPCL Super Saver Credit Card | HDFC Bank IndianOil HDFC Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | ICICI Bank | HDFC Bank |
| Network | Visa + RuPay | RuPay |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | At ₹50,000 annual spending |
| Base reward rate | 0.5% | 0.6% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 5% · Utility and telecom rewards | 4.8% · Bill-payment Fuel Points |
| Groceries & essentials | 5% · Grocery rewards | 4.8% · Grocery Fuel Points |
| Fuel & commute | 4% · HPCL fuel cashback | 0.6% · IndianOil swipe Fuel Points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | HPCL fuel cashback: ₹200/month | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 4 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹20,000/month salaried · ₹20,000/month self-employed | Approx. ₹12,000/month salaried · ₹50,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Budget-conscious households that consistently refuel at HPCL and spend on groceries and utility bills. | IndianOil customers who also want reward coverage on groceries and utility bills. |
| Main trade-off | 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. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
