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IndianOil Axis Bank Credit Card vs ICICI HPCL Super Saver Credit Card
On net annual value, ICICI HPCL Super Saver beats IndianOil Axis Bank in all four spend profiles we model, from ₹2,050 a year for everyday spenders to ₹9,153 for high spenders. ICICI HPCL Super Saver includes spend-linked airport lounge access. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | IndianOil Axis Bank Credit Card | ICICI HPCL Super Saver Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹2,750/yr | ₹4,800/yr✓ +₹2,050/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹1,879/yr | ₹5,550/yr✓ +₹3,671/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | −₹4,262/yr | ₹825/yr✓ +₹5,087/yr |
High spender ≈ ₹2.5L/mo across every category | −₹9,243/yr | −₹90/yr✓ +₹9,153/yr |
Not in these numbers: ICICI HPCL Super Saver Credit Card adds airport lounge access — real perks that can outweigh a small gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | IndianOil Axis Bank Credit CardAxis EDGE Reward Points | ICICI HPCL Super Saver Credit CardICICI Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.20BEST | ₹0.40BEST |
| Gift vouchers | ₹0.20BEST | ₹0.40BEST |
| Travel portal | ₹0.20BEST | ₹0.40BEST |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps. Switch the redemption strategy above to see how the picture shifts.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| IndianOil Axis Bank Credit Card | ICICI HPCL Super Saver Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | ₹500 | ₹500 |
| Annual fee | ₹500/yr | ₹500/yr |
| Annual fee — all-in (incl. 18% GST) | ₹590 | ₹590 |
| Fee waiver at | ₹3,50,000/yr spend | ₹1,50,000/yr spend |
| Welcome benefit | ~₹250 | ~₹500 |
| Rewards | ||
| Best everyday reward | 1% on Online Shopping | 5% on Utility Bills ✓ |
| Fuel | 0.2% | 0.5% ✓ |
| Groceries | 0.2% | 5% ✓ |
| Insurance | — | 0.5% |
| Online Shopping | 1% ✓ | 0.5% |
| Base rate — other spends | 0.2% | 0.5% ✓ |
| Utility Bills | — | 5% |
| Charges | ||
| Forex markup | 3.5% | 3.5% |
| Finance charge | 3.75% p.m. | 3.75% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| lounge access | — | ~₹2,000/yr · Domestic airport lounge access on spending ₹75,000 in the previous calendar quarter (primary cardholder) |
| movie ticket | — | ~₹2,400/yr · 25% off (up to ₹100) on movie tickets via BookMyShow and INOX, twice a month, unlocked by ₹25,000 of spend in the preceding calendar quarter; plus 24x7 road-side assistance |
| Eligibility | ||
| Min income | — | ₹20,000/mo |
| Min age | 18+ yrs | 21+ yrs |
| UPI linked | — | — |
| Expert rating | 4.1 / 5 ✓ | 4.0 / 5 |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the IndianOil Axis Bank Credit Card if you want strong rewards on online shopping. Consider the ICICI HPCL Super Saver Credit Card if you spend more on utility bills, with lounge access included. Your actual best card depends on how you spend — run your numbers below.
IndianOil Axis Bank Credit Card vs ICICI HPCL Super Saver Credit Card — FAQs
Which has a lower annual fee, IndianOil Axis Bank Credit Card or ICICI HPCL Super Saver Credit Card?
As of 11 Oct 2026, IndianOil Axis Bank and ICICI HPCL Super Saver both charge ₹500 a year, or ₹590 with 18% GST. IndianOil Axis Bank waives it after ₹3,50,000 of spend in a card year, ICICI HPCL Super Saver after ₹1,50,000.
Do IndianOil Axis Bank Credit Card and ICICI HPCL Super Saver Credit Card offer airport lounge access?
As of 11 Oct 2026, only ICICI HPCL Super Saver includes airport lounge access: it lists domestic airport lounge access, with no visit count stated, unlocked by ₹75,000 of spend in the previous quarter. For spending abroad, IndianOil Axis Bank and ICICI HPCL Super Saver both add a 3.5% forex markup.
Which card has lower forex markup, IndianOil Axis Bank Credit Card or ICICI HPCL Super Saver Credit Card?
As of 11 Oct 2026, IndianOil Axis Bank and ICICI HPCL Super Saver charge the same 3.5% forex markup. With 18% GST on the markup, each foreign-currency transaction on IndianOil Axis Bank or ICICI HPCL Super Saver costs about 4.13% extra, roughly ₹4,130 on ₹1,00,000 spent abroad.
For a frequent traveller, is the IndianOil Axis Bank Credit Card or ICICI HPCL Super Saver Credit Card better value?
On figures as of 11 Oct 2026, ICICI HPCL Super Saver comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹825 against −₹4,262 on IndianOil Axis Bank, a ₹5,087 gap. That figure leaves out airport lounge access, which only ICICI HPCL Super Saver includes.
For everyday spending, which returns more: IndianOil Axis Bank Credit Card or ICICI HPCL Super Saver Credit Card?
On figures as of 11 Oct 2026, ICICI HPCL Super Saver comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹4,800 against ₹2,750 on IndianOil Axis Bank, a ₹2,050 gap. At this spend IndianOil Axis Bank and ICICI HPCL Super Saver both waive their annual fees.
Which is better, IndianOil Axis Bank Credit Card or ICICI HPCL Super Saver Credit Card?
As of 11 Oct 2026, IndianOil Axis Bank earns 1% on online shopping outside merchant or portal bonuses, paid as Axis EDGE Reward Points, and ICICI HPCL Super Saver earns 5% on utility bills at best, paid as ICICI Reward Points. ICICI HPCL Super Saver comes out ahead on net annual value in all four spend profiles we model.