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Comparison · हिन्दी

IndianOil Axis vs ICICI HPCL Super Saver

Both cards compared on real rupee returns for best fuel credit card India IOCL vs HPCL Axis vs ICICI. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
AXIS
INDIANOIL
ASHOK KUMAR
VS
ICICI
HPCL SUPER SAV
ASHOK KUMAR
Our verdict
ICICI Bank HPCL Super Saver Credit Card wins for most people
Card B wins with ₹3,160 annual benefit versus Card A's ₹2,236. Better rewards on utilities and departmental stores, plus lower spend requirement for fee waiver, make it the superior choice for this profile.
Side-by-side comparison
IndianOil Axis Bank Credit Card ICICI Bank HPCL Super Saver Credit Card ✓
Annual benefit ₹2,236 ₹3,160
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹3,50,000/year spend) ₹500 + taxes (waived on ₹1,50,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 4% value back on IOCL fuel (20 EDGE points/₹100, capped ₹5,000/month); 1% on online shopping; 1% fuel surcharge waiver 4% cashback on HPCL fuel (capped ₹200/month) + 1% surcharge waiver; 5% rewards on departmental stores and utility bills; 0.5% on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None on standard variant 1 domestic visit/quarter (on ₹75,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Regular Indian Oil fuel users wanting best cashback at IOCL pumps HPCL fuel users wanting the highest cashback at HPCL petrol pumps
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried) ₹20,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
IndianOil Axis Bank Credit Card
Choose Card A if you exclusively fuel at IOCL pumps and want maximum 4% cashback on fuel without caps. The unlimited fuel rewards structure rewards high-volume IOCL users better than Card B's capped benefits.
ICICI Bank HPCL Super Saver Credit Card
Choose Card B for everyday value across multiple categories—5% on utilities and shopping, 4% on HPCL fuel, plus easier fee waiver at ₹1,50,000 annual spend. Better aligned with your balanced spending across groceries, utilities, and fuel.
Who should get which card
Get IndianOil Axis Bank if you…
· Exclusive IOCL fuel customer with consistent high fuel spend
· Annual spend exceeds ₹3,50,000 for complete fee waiver
· Prioritizes fuel cashback over diversified rewards
Get ICICI Bank HPCL Super Saver if you…
· HPCL fuel customer with balanced spending across categories
· Spends on utilities and departmental stores regularly
· Prefers lower fee waiver threshold (₹1,50,000/year)
Partner offer
RBL Bank IndianOil XTRA Credit Card
Heavy IndianOil fuel spenders who will redeem points at IndianOil pumps, not those wanting flexible cashback
Apply now →
RBL
ASHOK KUMAR

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RBL Bank IndianOil XTRA vs IndianOil Axis Bank →ICICI Bank HPCL Super Saver vs BPCL SBI →IndianOil Axis Bank vs BPCL SBI →IDFC FIRST Power vs ICICI Bank HPCL Super Saver →Best Fuel Credit Cards →Best Credit Cards for Utility Bill Payments →
Frequently asked questions
Based on our analysis, ICICI Bank HPCL Super Saver Credit Card offers better annual returns for most spend profiles.
IndianOil Axis Bank Credit Card has an annual fee of ₹500 + taxes (waived on ₹3,50,000/year spend). ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500 + taxes (waived on ₹1,50,000/year spend).
IndianOil Axis Bank Credit Card offers 4% value back on IOCL fuel (20 EDGE points/₹100, capped ₹5,000/month); 1% on online shopping; 1% fuel surcharge waiver. ICICI Bank HPCL Super Saver Credit Card offers 4% cashback on HPCL fuel (capped ₹200/month) + 1% surcharge waiver; 5% rewards on departmental stores and utility bills; 0.5% on others.
IndianOil Axis Bank Credit Card lounge access: None on standard variant. ICICI Bank HPCL Super Saver Credit Card lounge access: 1 domestic visit/quarter (on ₹75,000/quarter spend).
IndianOil Axis Bank Credit Card charges 3.5% forex markup. ICICI Bank HPCL Super Saver Credit Card charges 3.5% forex markup.