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ICICI Bank HPCL Super Saver Credit Card vs IndianOil Axis Bank Credit Card

Compare ICICI Bank HPCL Super Saver Credit Card and IndianOil Axis Bank Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

ICICI Bank HPCL Super Saver Credit Card vs IndianOil Axis Bank Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 11, 2026
ICICI BankICICI Bank HPCL Super Saver Credit Card

Drivers whose fuel spend is concentrated at HPCL and who can also use the utility, movie and roadside-assistance benefits.

Annual fee
₹500 + GST
Reviewed
September 11, 2026
Evidence
4 issuer sources
Open card research
Axis BankIndianOil Axis Bank Credit Card

Drivers whose fuel spending is concentrated at IndianOil and who want a low-fee fuel card.

Annual fee
1st year Nil; ₹500 from the 2nd year on the current Axis Bank product page
Reviewed
September 11, 2026
Evidence
3 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

ICICI Bank HPCL Super Saver Credit Card vs IndianOil Axis Bank Credit Card

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/icici-hpcl-super-saver-credit-card-vs-axis-bank-indianoil-credit-card/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

ICICI Bank HPCL Super Saver Credit Card

Annual fee
₹500 + GST
Fee waiver
Annual fee waived for the next year on spends over ₹1.5 lakh

IndianOil Axis Bank Credit Card

Annual fee
1st year Nil; ₹500 from the 2nd year on the current Axis Bank product page
Fee waiver
Annual fee waived when card-anniversary-year spend exceeds ₹3,50,000 under the current terms; specified categories including rent/wallet and other excluded transactions do not count.
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

ICICI Bank HPCL Super Saver Credit Card

Reward rules
Reviewed issuer page highlights 5% savings on eligible fuel at HPCL/HP Pay and accelerated Reward Points on selected daily-essential spends

Recorded cautions

  • Fuel savings depend on eligible HPCL channels and current caps.
  • Fuel surcharge waiver and reward/cashback economics should be calculated separately.
  • Domestic lounge access requires ₹75,000 spend in the preceding calendar quarter and is limited to the primary cardholder.

IndianOil Axis Bank Credit Card

Reward rules
Reviewed Axis listing advertises 4% value back on fuel spends at IndianOil outlets

Recorded cautions

  • Fuel value-back and surcharge-waiver rules use their own eligible transaction bands and caps.
  • The annual-fee waiver is now a high ₹3.5 lakh anniversary-year spend threshold and excludes specified categories.
  • The first-year annual fee is Nil, while joining fee remains ₹500 on the reviewed current page.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

ICICI Bank HPCL Super Saver Credit Card

Lounge conditions
1 complimentary domestic airport lounge visit per quarter after ₹75,000 spend in the preceding calendar quarter; the benefit is for the primary cardholder.
Forex costs
3.5% foreign-currency markup
Eligibility
Reviewed issuer page lists Indian citizens age 21+ and indicative monthly income of ₹20,000 salaried or ₹2.4 lakh annual income if self-employed; approval remains with ICICI Bank

IndianOil Axis Bank Credit Card

Lounge conditions
Not a lounge-led card
Forex costs
3.50% foreign-currency transaction fee on the current product page; DCC markup is separately published.
Eligibility
Subject to Axis Bank approval
Other maintained comparisons for ICICI Bank HPCL Super Saver Credit CardOther maintained comparisons for IndianOil Axis Bank Credit Card
Shared research themes
Fuel Credit CardsRewards Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

On a small screen, scroll this table sideways. The factor column stays visible.

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Credit-card terms side by side for ICICI Bank HPCL Super Saver Credit Card and IndianOil Axis Bank Credit Card
Decision factorICICI Bank HPCL Super Saver Credit CardIndianOil Axis Bank Credit Card
Joining fee₹500 + GST₹500 on the current Axis Bank product page
Annual fee₹500 + GST1st year Nil; ₹500 from the 2nd year on the current Axis Bank product page
Fee waiverAnnual fee waived for the next year on spends over ₹1.5 lakhAnnual fee waived when card-anniversary-year spend exceeds ₹3,50,000 under the current terms; specified categories including rent/wallet and other excluded transactions do not count.
RewardsReviewed issuer page highlights 5% savings on eligible fuel at HPCL/HP Pay and accelerated Reward Points on selected daily-essential spendsReviewed Axis listing advertises 4% value back on fuel spends at IndianOil outlets
Lounge1 complimentary domestic airport lounge visit per quarter after ₹75,000 spend in the preceding calendar quarter; the benefit is for the primary cardholder.Not a lounge-led card
Forex markup3.5% foreign-currency markup3.50% foreign-currency transaction fee on the current product page; DCC markup is separately published.
NetworkVisa / RuPay variant as offeredRuPay variant available per reviewed Axis listing
Eligibility / approvalReviewed issuer page lists Indian citizens age 21+ and indicative monthly income of ₹20,000 salaried or ₹2.4 lakh annual income if self-employed; approval remains with ICICI BankSubject to Axis Bank approval
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

  • Fuel savings depend on eligible HPCL channels and current caps.
  • Fuel surcharge waiver and reward/cashback economics should be calculated separately.
  • Domestic lounge access requires ₹75,000 spend in the preceding calendar quarter and is limited to the primary cardholder.
Axis Bank

IndianOil Axis Bank Credit Card

  • Fuel value-back and surcharge-waiver rules use their own eligible transaction bands and caps.
  • The annual-fee waiver is now a high ₹3.5 lakh anniversary-year spend threshold and excludes specified categories.
  • The first-year annual fee is Nil, while joining fee remains ₹500 on the reviewed current page.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

4 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Issuer product pageIssuer product pageIssuer product page

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
Axis Bank

IndianOil Axis Bank Credit Card

3 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Issuer product pageTerms & conditionsMITC / controlling terms

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

ICICI Bank HPCL Super Saver Credit Card

Reviewed September 11, 2026 · 4 attached first-party sources

  1. Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/hpcl-super-saver
  2. Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/experience
  3. Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/membership-kits
  4. Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/travel-easy/international-transactions

IndianOil Axis Bank Credit Card

Reviewed September 11, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://www.axis.bank.in/cards/credit-card/indianoil-axis-bank-credit-card
  2. Terms & conditionshttps://www.axis.bank.in/docs/default-source/default-document-library/credit-card/terms-and-conditions-indian-oil-credit-card.pdf
  3. MITC / controlling termshttps://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf?sfvrsn=aba4dce4_9