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| Feature | Kotak Mahindra Bank Kotak Cashback+ Credit Card | ICICI Bank ICICI Bank HPCL Super Saver Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Kotak Mahindra Bank | ICICI Bank |
| Network | Visa + RuPay | Visa + RuPay |
| Annual fee | ₹750 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.5% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | Excluded | 5% · Utility and telecom rewards |
| Groceries & essentials | 0.5% · Online grocery, food and entertainment cashback | 5% · Grocery rewards |
| Fuel & commute | 3% · Fuel cashback | 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 | Not listed | Approx. ₹20,000/month salaried · ₹20,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Households spending regularly on online groceries, food delivery, OTT or movies and fuel. | Budget-conscious households that consistently refuel at HPCL and spend on groceries and utility bills. |
| Main trade-off | The accelerated categories share a ₹750 cashback cap per billing cycle. Utilities, insurance, education, rent and several other categories do not earn rewards. | 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.
