- Annual fee ₹500 Waivable at ₹1,50,000 spend
- Forex markup 3.5%
- Domestic lounge 4/year
Pairwise comparison
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ICICI Bank HPCL Super Saver vs Kotak Mahindra Bank Zen Signature Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the ICICI Bank HPCL Super Saver and the Kotak Mahindra Bank Zen Signature. Verify fees, lounge access, forex markup, and base rewards before you apply.
Lounge Kotak Mahindra Bank Zen Signature
Quick comparison
Three core metrics- Annual fee ₹1,500 Waivable at ₹1,50,000 spend
- Forex markup 3.5%
- Domestic lounge 8/year
Reward earning explained
Per card10 pts / ₹150 on General spend
8 pts / ₹150 on General spend
Pick based on what matters
5 dimensionsStart with the constraint you care about most: annual fee (ICICI Bank HPCL Super Saver: ₹500 vs Kotak Mahindra Bank Zen Signature: ₹1,500), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 8/year).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Kotak Mahindra Bank Zen Signature wins Kotak Mahindra Bank Zen Signature is better for lounge access
Kotak Mahindra Bank Zen Signature is stronger here. Domestic lounge access is 8/year.
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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.
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Annual fee Insufficient data Insufficient data to compare fees
Only ICICI Bank HPCL Super Saver has comparable evidence here. Annual fee is ₹500.
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upi Tie Both cards are similar for UPI usage
Mastercard network does not support UPI payments. Visa network does not support UPI payments.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- HPCL Super Saver: ~₹830/month at base rate
- Kotak Zen Signature: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | HPCL Super Saver ICICI Bank | Zen Signature Kotak Mahindra Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 4/year vs 8/year | 4/year | 8/year |
| International lounge visits Only available for HPCL Super Saver | 4/year | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹500 vs ₹1,500 | ₹500 | ₹1,500 |
| Joining fee ₹500 vs ₹1,500 | ₹500 | ₹1,500 |
| Fee waiver spend | ₹1,50,000 | ₹1,50,000 |
| Rewards | ||
| Points per ₹150 10 pts vs 8 pts | 10 pts | 8 pts |
| Point cash value Only available for HPCL Super Saver | ₹0.25 | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.