2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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Axis Bank My Zone vs ICICI Bank HPCL Super Saver Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank My Zone and the ICICI Bank HPCL Super Saver. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee My Zone ₹500 Annual-fee waiver not offeredHPCL Super Saver ₹500 Waivable at ₹1,50,000 or more spend
- Forex markup My Zone 3.5%HPCL Super Saver 3.5%
- Domestic lounge My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsHPCL Super Saver 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card10 pts / ₹150
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs ICICI Bank HPCL Super Saver: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank My Zone conservative base value ~0.4% per ₹100. ICICI Bank HPCL Super Saver is not safely INR-comparable (no usable point value).
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- My Zone: ~₹200/month at base rate
- HPCL Super Saver: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | My Zone Axis Bank | HPCL Super Saver ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 4/year (1 per quarter) | 4/year (1 per quarter) |
| International lounge visits Only available for HPCL Super Saver | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee | ₹500 | ₹500 |
| First-year cost Only available for HPCL Super Saver | Not specified | ₹500 |
| Annual-fee waiver Not offered vs ₹1,50,000 or more | Not offered | ₹1,50,000 or more |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for HPCL Super Saver | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹4,000 transactions | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions |
| Rewards | ||
| Base earn 2 EDGE Reward Points / ₹100 vs 10 pts / ₹150 | 2 EDGE Reward Points / ₹100 | 10 pts / ₹150 |
| Conservative base value ~0.4% vs Not safely INR-comparable | ~0.4% | Not safely INR-comparable |
| Earn ceiling Not stated vs ₹200 per month | Not stated | ₹200 per month |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for My Zone | ₹0.2 | Not specified |
Notes
- Axis Bank My Zone Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- ICICI Bank HPCL Super Saver Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank My Zone
Verify with issuer , opens external siteICICI Bank HPCL Super Saver
Verify with issuer , opens external site