ICICI HPCL Super Saver Credit Card vs Standard Chartered Priority Visa Infinite Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• For everyday spending on fuel, groceries, and utilities, the ICICI HPCL Super Saver Credit Card ⓘ wins with its 5% reward rate in these categories.
• For travel perks, lounge access, and premium benefits, the Standard Chartered Priority Visa Infinite Credit Card ⓘ takes the lead with unlimited domestic lounges and six international lounges annually.
• The Standard Chartered card is cheaper to hold since it has no joining or annual fees, while the ICICI HPCL card charges Rs 500 for each, waivable on Rs 1.50 lakh annual spend.
• Choose the ICICI HPCL card ⓘ if you want focused high rewards on fuel and utilities and don’t mind the fee with waiver. Pick the Standard Chartered card ⓘ if you want premium travel benefits and a lifetime free card.

Side by Side

Rewards Compared

Spending Rs 10,000 on the ICICI HPCL Super Saver Credit Card ⓘ earns Rs 100 back at the base rate. However, if spending is in fuel, utilities, or grocery, the reward rate jumps to 5%, delivering Rs 500 back per Rs 10,000 spent in these categories. This makes it highly rewarding for everyday essential spends like fuel and groceries.

The Standard Chartered Priority Visa Infinite Credit Card ⓘ also returns Rs 100 per Rs 10,000 spent at the base rate. Its category bonuses apply to online and travel spends at 2%, meaning Rs 200 back per Rs 10,000 spent. This card suits premium users who focus their spending on travel and online purchases, rather than essentials.

Fees Compared

The ICICI HPCL Super Saver card charges a joining fee of Rs 500 and an annual fee of Rs 500. Both fees are waived if you spend Rs 1.50 lakh annually, which breaks down to Rs 12,500 per month. To cover the Rs 500 annual fee purely from base rewards, you need to spend Rs 50,000 annually. The Standard Chartered Priority Visa Infinite card has no joining or annual fees, making it cost-effective for users who want premium benefits without fee burden.

Which One Should You Pick

Pick the ICICI HPCL Super Saver Credit Card ⓘ if you regularly spend on fuel, groceries, and utilities and can meet the Rs 1.50 lakh annual spend to waive fees. It offers excellent cashback in your everyday essentials and some domestic lounge access, making it a good value for budget-conscious users who want rewards plus lounge access.

Choose the Standard Chartered Priority Visa Infinite Credit Card ⓘ if you prioritize premium travel benefits, including unlimited domestic lounge access and six international lounges yearly, along with no fees. This card suits Priority Banking customers who want luxury perks and travel rewards with minimal cost.

If you do not spend enough to waive ICICI’s fees or do not frequently use lounges, skip the ICICI HPCL card. If you want high cashback on fuel or groceries and do not need international lounges, the Standard Chartered card might not meet your needs fully.

What to Check Before You Apply

• Confirm the Rs 75,000 quarterly spend gate to access domestic lounges on the ICICI HPCL card ⓘ.
• Check if reward redemption has caps or expiry that limit value.
• Understand the fee waiver math: ICICI HPCL requires Rs 12,500 monthly spend to waive fees.
• Be aware of the 3.5% forex markup on the ICICI HPCL card ⓘ versus 2% on Standard Chartered.
• Verify which airport lounges are accessible and their locations for your travel patterns.

FAQ