ICICI Bank HPCL Super Saver vs IndianOil RBL Bank
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 IndianOil RBL Bank differ first on recurring cost: ICICI Bank HPCL Super Saver has an annual fee of ₹500 + GST against ₹500 + GST for IndianOil RBL Bank, 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 IndianOil RBL Bank earns 1 Fuel Point per ₹100 on non-fuel spend; 10 Fuel Points per ₹100 at IndianOil fuel stations. 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 2026-08-04. Confirm final terms with the issuer.
| Feature | ICICI Bank HPCL Super Saver | IndianOil RBL Bank |
|---|---|---|
| Issuer | ICICI Bank | RBL Bank |
| Joining fee | ₹500 + GST | ₹500 + GST |
| Annual fee | ₹500 + GST | ₹500 + GST |
| Fee waiver | ₹1,50,000 annual eligible spend | ₹1,75,000 annual eligible spend |
| Base rewards | 2 ICICI Bank Reward Points per ₹100 on eligible retail spends | 1 Fuel Point per ₹100 on non-fuel spend; 10 Fuel Points per ₹100 at IndianOil fuel stations |
| Accelerated routes | 4% statement cashback · 20 points per ₹100 (about 5% at ₹0.25/point) | 10 Fuel Points per ₹100 at IndianOil fuel stations, capped at 1,000 Fuel Points per month |
| Reward exclusions | emi, cash advance, fees | rent, wallet load, emi, non IOCL fuel |
| Forex markup | 3.5% | 3.5% |
| Domestic lounge | 1/quarter (₹75,000 spend in previous quarter) | none |
| International lounge | none | none |
| Card networks | Visa | RuPay, Mastercard |
| Best suited to | fuel, bills utilities, commuter | fuel, iocl loyalists, commuter |
| Issuer evidence | Checked 2026-07-26 | Checked 2026-08-04 |
Frequently asked questions
Is the ICICI Bank HPCL Super Saver better than the IndianOil RBL Bank?
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; IndianOil RBL Bank charges ₹500 + GST and earns 1 Fuel Point per ₹100 on non-fuel spend; 10 Fuel Points per ₹100 at IndianOil fuel stations. 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 IndianOil RBL Bank?
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 IndianOil RBL Bank?
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.