Quick Verdict

  • The Samsung Axis Bank Infinite Credit Cardⓘ wins for everyday spend with a higher base reward rate of 1.5% compared to 1% on the ICICI HPCL Super Saver Credit Cardⓘ.
  • For travel and lounge benefits, Samsung Axis Bank Infinite Credit Cardⓘ offers more domestic and international lounge visits, making it the better pick for frequent travelers.
  • The Samsung Axis Bank Infinite Credit Cardⓘ is cheaper to hold with no joining or annual fees, while the ICICI HPCL Super Saver Credit Cardⓘ charges Rs 500 for both.
  • Choose Samsung Axis Bank Infinite Credit Cardⓘ if you want a fee-free card with strong rewards on online and dining spends plus lounge access. Pick ICICI HPCL Super Saver Credit Cardⓘ if you prioritize fuel, grocery, and utility rewards and don’t mind paying fees.

Side by Side

DetailSamsung Axis Bank Infinite Credit CardⓘICICI HPCL Super Saver Credit Cardⓘ
Annual feeNil (lifetime free)Rs 500
Joining feeNil (lifetime free)Rs 500
Fee waiver on spendRs 3.00 lakhRs 1.50 lakh
Reward rate1.5% base1% base
Reward typepointspoints
Domestic lounge8 per year4 per year
International lounge4 per yearNone
Forex markup3.5%3.5%
Best suited forshopping, lounge, rewards, travelfuel, grocery, cashback, shopping, lounge
Lounge spend gateRs 75,000 quarterly domestic lounges

Rewards Compared

The Samsung Axis Bank Infinite Credit Cardⓘ offers a base reward rate of 1.5%, which means you earn Rs 150 on every Rs 10,000 spent. Its category rates are especially attractive for online shopping at 10%, yielding Rs 1,000 on Rs 10,000 spend, and dining at 3%, giving Rs 300 back on the same amount. This makes the card highly rewarding for users who spend heavily on e-commerce and dining.

In contrast, the ICICI HPCL Super Saver Credit Cardⓘ has a lower base reward rate of 1%, equating to Rs 100 per Rs 10,000 spent. However, it shines in specific categories such as fuel, utilities, and grocery, where it offers 5% rewards, or Rs 500 on Rs 10,000 spend. This card is better suited for those whose expenses are concentrated in these essential categories rather than general or online shopping.

Fees Compared

The Samsung Axis Bank Infinite Credit Cardⓘ stands out with no joining or annual fees, making it a cost-effective option for users who want to avoid fee burdens. To waive any implicit fees, the card requires Rs 3.00 lakh in annual spend, which breaks down to Rs 25,000 per month. Since fees are nil, the waiver is effectively a spend threshold to unlock full benefits.

On the other hand, the ICICI HPCL Super Saver Credit Cardⓘ levies a joining fee and annual fee of Rs 500 each. The fee waiver requires Rs 1.50 lakh in annual spend or Rs 12,500 per month. The card’s base reward rate means you need to spend about Rs 50,000 to cover the Rs 500 annual fee through rewards alone. This makes it less attractive for low spenders but reasonable for those who maximize category spends.

Which One Should You Pick

Choose the Samsung Axis Bank Infinite Credit Cardⓘ if you are a high spender who values a no-fee structure, strong rewards on online shopping and dining, and access to both domestic and international airport lounges. It suits frequent travelers and shoppers who want a premium experience without the cost of fees.

The ICICI HPCL Super Saver Credit Cardⓘ is ideal for users who spend significantly on fuel, groceries, and utilities and want to earn higher category rewards in these areas. If you frequently use domestic lounges and can meet the quarterly Rs 75,000 lounge spend gate, this card adds value despite its fees.

In conclusion, skip the Samsung Axis Bank Infinite Credit Cardⓘ if your spending is mainly on fuel and groceries where it underperforms. Avoid the ICICI HPCL Super Saver Credit Cardⓘ if you dislike paying fees or do not spend enough to justify them. Overall, Samsung Axis Bank Infinite Credit Cardⓘ is the better all-rounder for 2026.

What to Check Before You Apply

  • Check if the high reward rates on online and dining categories for Samsung Axis Bank Infinite Credit Cardⓘ have caps or exclusions.
  • Understand the redemption value of points for both cards to ensure rewards are worth the effort.
  • Confirm the fee waiver spend thresholds and how they align with your monthly expenditure patterns.
  • Be aware that both cards charge the standard 3.5% forex markup, so avoid foreign currency spend if possible.
  • Verify the locations and access policies of lounges included to ensure they match your travel routes.

FAQ

What is the forex markup on these cards?+
Both the Samsung Axis Bank Infinite Credit Cardⓘ and the ICICI HPCL Super Saver Credit Cardⓘ charge a 3.5% forex markup on foreign currency transactions, which is standard in India.
Are there any welcome benefits with these cards?+
Yes, the Samsung Axis Bank Infinite Credit Cardⓘ offers Samsung cashback vouchers worth Rs 2,500, while the ICICI HPCL Super Saver Credit Cardⓘ provides 2,000 bonus reward points after paying the membership fee and meeting spend criteria, plus Rs 100 cashback on the first fuel purchase via HP Pay app.
How many lounge visits do these cards offer?+
Samsung Axis Bank Infinite Credit Cardⓘ gives 8 domestic and 4 international lounge visits per year. ICICI HPCL Super Saver Credit Cardⓘ offers 4 domestic lounge visits annually and no international lounge access.
What is the fee waiver spend requirement for each card?+
Samsung Axis Bank Infinite Credit Cardⓘ requires Rs 3.00 lakh annual spend (Rs 25,000 per month) to waive fees, although it has no fees. ICICI HPCL Super Saver Credit Cardⓘ requires Rs 1.50 lakh annual spend (Rs 12,500 per month) to waive its Rs 500 annual and joining fees.
Can I use these cards for fuel purchases?+
The ICICI HPCL Super Saver Credit Cardⓘ offers 5% rewards on fuel, making it a strong choice for fuel spenders. The Samsung Axis Bank Infinite Credit Cardⓘ does not have a specific fuel category rate and offers only the base 1.5% reward.