Which card has a lower forex fee: Axis Bank Cashback Credit Card or ICICI Bank HPCL Super Saver Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank Cashback Credit Card or ICICI Bank HPCL Super Saver Credit Card?

ICICI Bank HPCL Super Saver Credit Card has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

Axis Bank Cashback Credit Card: No domestic lounge. ICICI Bank HPCL Super Saver Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

ICICI Bank HPCL Super Saver Credit Card has higher base reward value (~1.67% vs ~0.15%).

Pairwise comparison Add another card →

Axis Bank Cashback vs ICICI Bank HPCL Super Saver Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Cashback and the ICICI Bank HPCL Super Saver. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge ICICI Bank HPCL Super Saver Low fee ICICI Bank HPCL Super Saver

Quick comparison

Three core metrics

Cashback Axis Bank

Annual fee ₹1,000 Waivable at ₹4,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

HPCL Super Saver ICICI Bank

Annual fee ₹500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

Cashback

7% on Online + 0.8% on General spend

HPCL Super Saver

10 pts / ₹150 on General spend

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Cashback: ₹1,000 vs ICICI Bank HPCL Super Saver: ₹500), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Cashback: Limited data HPCL Super Saver: Limited data
Lounge access ICICI Bank HPCL Super Saver wins

ICICI Bank HPCL Super Saver is better for lounge access

ICICI Bank HPCL Super Saver is stronger here. Domestic lounge access is 4/year.

Cashback: Limited data HPCL Super Saver: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only ICICI Bank HPCL Super Saver has comparable evidence here. Estimated base reward value is ~1.7% on base spend.
Annual fee ICICI Bank HPCL Super Saver wins

ICICI Bank HPCL Super Saver is better for fees

ICICI Bank HPCL Super Saver is stronger here. ICICI Bank HPCL Super Saver has a lower annual fee (₹500 vs ₹1,000).

Cashback: Limited data HPCL Super Saver: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments. Mastercard network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

HPCL Super Saver: ~₹830/month at base rate
Cashback: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Field	Cashback Axis Bank	HPCL Super Saver ICICI Bank
Lounge Access
Domestic lounge visits No lounge access vs 4/year	No lounge access	4/year
International lounge visits Only available for HPCL Super Saver	Not specified	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,000 vs ₹500	₹1,000	₹500
Joining fee ₹1,000 vs ₹500	₹1,000	₹500
Fee waiver spend ₹4,00,000 vs ₹1,50,000	₹4,00,000	₹1,50,000
Rewards
Reward points (base spend) 0.75 pts/₹100 vs 10 pts/₹150	0.75 pts/₹100	10 pts/₹150
Point cash value ₹0.2 vs ₹0.25	₹0.2	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.