Which card has a lower forex fee: ICICI Bank HPCL Super Saver Credit Card or IDFC FIRST Private Reserve Credit Card?

IDFC FIRST Private Reserve Credit Card has lower forex markup (0% vs 3.5%).

Which card has a lower annual fee: ICICI Bank HPCL Super Saver Credit Card or IDFC FIRST Private Reserve Credit Card?

IDFC FIRST Private Reserve Credit Card has a lower annual fee (₹0 vs ₹500).

Which card offers better lounge access?

ICICI Bank HPCL Super Saver Credit Card: 4/year domestic lounge. IDFC FIRST Private Reserve Credit Card: Unlimited 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 ~1%).

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ICICI Bank HPCL Super Saver vs IDFC FIRST Bank Private Reserve Credit Cards – Fees, Lounge, Forex

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

Forex IDFC FIRST Bank Private Reserve Lounge IDFC FIRST Bank Private Reserve Rewards ICICI Bank HPCL Super Saver Low fee IDFC FIRST Bank Private Reserve

Quick comparison

Three core metrics

HPCL Super Saver ICICI Bank

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

Private Reserve IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge Unlimited

Reward earning explained

Per card

HPCL Super Saver

10 pts / ₹150 on General spend

Private Reserve

6 pts / ₹150 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank HPCL Super Saver: ₹500 vs IDFC FIRST Bank Private Reserve: ₹0), forex markup (3.5% vs 0%), or lounge access (4/year vs Unlimited).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Private Reserve has comparable evidence here. Forex markup is 0%.

HPCL Super Saver: Limited data Private Reserve: Limited data
Forex markup IDFC FIRST Bank Private Reserve wins

IDFC FIRST Bank Private Reserve is better for forex

IDFC FIRST Bank Private Reserve is stronger here. Forex markup is 0%.

HPCL Super Saver: Limited data Private Reserve: Limited data
Lounge access IDFC FIRST Bank Private Reserve wins

IDFC FIRST Bank Private Reserve is better for lounge access

IDFC FIRST Bank Private Reserve is stronger here. Domestic lounge access is unlimited.

HPCL Super Saver: Limited data
Rewards ICICI Bank HPCL Super Saver wins

ICICI Bank HPCL Super Saver is better for rewards

ICICI Bank HPCL Super Saver is stronger here. ICICI Bank HPCL Super Saver returns ~1.7% vs IDFC FIRST Bank Private Reserve's ~1.0% at base spend.

Private Reserve: Limited data
Annual fee IDFC FIRST Bank Private Reserve wins

IDFC FIRST Bank Private Reserve is better for fees

IDFC FIRST Bank Private Reserve is stronger here. Annual fee is ₹0.

HPCL Super Saver: Limited data Private Reserve: Limited data
upi Tie

Both cards are similar for UPI usage

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
IDFC FIRST Private Reserve: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	HPCL Super Saver ICICI Bank	Private Reserve IDFC FIRST Bank
Lounge Access
Domestic lounge visits 4/year vs Unlimited	4/year	Unlimited
International lounge visits 4/year vs 12/year	4/year	12/year
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 0%	3.5%	0%
Fees
Annual fee ₹500 vs ₹0	₹500	₹0
Joining fee ₹500 vs ₹0	₹500	₹0
Fee waiver spend Only available for HPCL Super Saver	₹1,50,000	Not specified
Rewards
Points per ₹150 10 pts vs 6 pts	10 pts	6 pts
Point cash value	₹0.25	₹0.25

Notes

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