ICICI Bank HPCL Super Saver Credit Card vs SBI Cashback Credit Card: Comparison Analysis (2026)

From a cardholder's perspective, For ICICI Bank HPCL Super Saver Credit Card, the joining fee is Nil and the recurring annual renewal fee is ₹ 500. In contrast, SBI Cashback Credit Card charges a joining fee of Nil and an annual fee of ₹ 999. In India, annual membership charges for both cards are subject to 18% Goods & Services Tax (GST).

The useful distinction here is simple: Spend-based waivers let you reverse annual renewal charges. For ICICI Bank HPCL Super Saver Credit Card, the annual fee is waived by reaching the annual milestone retail spend. For SBI Cashback Credit Card, you can get the fee reversed by reaching the annual milestone retail spend. Check your average monthly transactions to confirm which milestone you can reach naturally without overspending.

ICICI Bank HPCL Super Saver Credit Card offers Up to 5% value back on Fuel, Groceries & Utilities, with Earn 5% back (4% as Reward Points + 1% surcharge waiver) on HPCL fuel purchases. Earn 5% back as Reward Points on Groceries, Departmental Stores, and Utility Bill payments (capped at 400 points per month). Earn 2 Reward Points per ₹100 spent on all other retail categories. 1 Reward Point = ₹0.25.. Meanwhile, SBI Cashback Credit Card delivers Up to 5% Cashback, with Earn 5% cashback on all eligible online spends (capped at ₹2,000 per statement cycle). Earn 1% cashback on all offline spends and utility bills (separately capped at ₹2,000 per statement cycle). Spends on rent, fuel, wallet loads, EMI, digital gaming, jewelry, and government payments do not earn any cashback.. If you want hassle-free monthly statement discounts, direct cashback is best; if you plan to redeem for flight tickets or hotel stays, reward point systems often offer higher multiplier returns.

For a practical 2026 decision, For airport lounge access, ICICI Bank HPCL Super Saver Credit Card offers 1 complimentary Domestic Airport Lounge visit per quarter (subject to spending ₹35, while SBI Cashback Credit Card does not include complimentary airport lounge visits. Always verify whether either card requires minimum calendar-quarter spends (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock complimentary access vouchers.

Looking specifically at ICICI Bank HPCL Super Saver Credit Card vs SBI Cashback Credit Card, ICICI Bank HPCL Super Saver Credit Card features: "2,000 Reward Points upon payment of the joining fee, plus ₹100 cashback on the first recharge of the HP Pay app wallet (minimum ₹1,000)". Meanwhile, SBI Cashback Credit Card provides: "None. This card focuses purely on direct statement cashback rather than upfront welcome bonuses.". These introductory gifts help recoup first-year joining costs right away.

From a cardholder's perspective, CardsGuruji's score guidance for ICICI Bank HPCL Super Saver Credit Card is 700+; CardsGuruji's score guidance for SBI Cashback Credit Card is 720+. This is editorial guidance, not an issuer requirement. Each bank independently evaluates income, employment, existing obligations, repayment history and other criteria; check the current issuer terms, and remember that no score guarantees approval.

The useful distinction here is simple: Yes, holding both cards simultaneously can be a powerful two-card wallet strategy if they serve complementary spend categories (for example, using one card for online shopping and groceries, and the other for utility bills, travel, or fuel). If both cards are issued by different banks, each bank grants an independent credit limit, which increases your overall available credit and helps lower your credit utilization ratio.

Both ICICI Bank HPCL Super Saver Credit Card and SBI Cashback Credit Card standardly offer a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 or ₹5,000 at petrol stations nationwide (subject to monthly waiver caps). However, categories like rent payments, wallet reloads, cash withdrawals, and government utility bills are often excluded from earning points or carry separate processing surcharges.

For a practical 2026 decision, Choose ICICI Bank HPCL Super Saver Credit Card if your spending aligns with its primary reward partner ecosystem, you can comfortably achieve its fee waiver milestone, and its fee structure (₹ 500) fits your budget. Select SBI Cashback Credit Card if you will actively use its unique perks (Up to 5% Cashback) and lounge access privileges (secondary travel perks). You can apply for either card online with paperless digital KYC verification.