ICICI Bank HPCL Super Saver vs Paytm HDFC Bank Credit Card
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
ICICI Bank HPCL Super Saver and Paytm HDFC Bank Credit Card differ first on recurring cost: ICICI Bank HPCL Super Saver has an annual fee of ₹500 + GST against ₹500 + GST for Paytm HDFC Bank Credit Card, so holding cost is identical. On rewards, ICICI Bank HPCL Super Saver earns 2 ICICI Bank Reward Points per ₹100 on eligible retail spends while Paytm HDFC Bank Credit Card earns 1% CashPoints on eligible retail spend, capped at ₹1,000/month. Both publish the same 3.5% forex markup. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
| Feature | ICICI Bank HPCL Super Saver | Paytm HDFC Bank Credit Card |
|---|---|---|
| Issuer | ICICI Bank | HDFC Bank |
| Joining fee | ₹500 + GST | ₹500 + GST |
| Annual fee | ₹500 + GST | ₹500 + GST |
| Fee waiver | ₹1,50,000 annual eligible spend | ₹50,000 annual eligible spend |
| Base rewards | 2 ICICI Bank Reward Points per ₹100 on eligible retail spends | 1% CashPoints on eligible retail spend, capped at ₹1,000/month |
| Accelerated routes | 4% statement cashback · 20 points per ₹100 (about 5% at ₹0.25/point) | 3% CashPoints, capped at ₹500/month · 2% CashPoints, capped at ₹500/month |
| Reward exclusions | emi, cash advance, fees | fuel, rent, wallet load, emi, government, education, gaming |
| Forex markup | 3.5% | 3.5% |
| Domestic lounge | 1/quarter (₹75,000 spend in previous quarter) | none |
| International lounge | none | none |
| Card networks | Visa | Visa |
| Best suited to | fuel, bills utilities, commuter | paytm ecosystem, bills utilities, first card |
| Issuer evidence | Checked 2026-07-26 | Checked 2026-07-26 |
Frequently asked questions
Is the ICICI Bank HPCL Super Saver better than the Paytm HDFC Bank Credit Card?
Neither is universally better. ICICI Bank HPCL Super Saver charges ₹500 + GST a year and earns 2 ICICI Bank Reward Points per ₹100 on eligible retail spends; Paytm HDFC Bank Credit Card charges ₹500 + GST and earns 1% CashPoints on eligible retail spend, capped at ₹1,000/month. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, ICICI Bank HPCL Super Saver or Paytm HDFC Bank Credit Card?
Both cards carry the same recorded annual fee of ₹500 + GST, so the decision rests on rewards, caps and exclusions rather than holding cost.
Which is better for international spending, ICICI Bank HPCL Super Saver or Paytm HDFC Bank Credit Card?
Both publish a 3.5% forex markup, so compare international reward eligibility and lounge access instead.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.