ACE Credit Card vs ICICI Bank HPCL Super Saver Credit Card
Axis Bank · ICICI Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
ICICI BankScoreVery Good
Annual Fee₹500
Max Reward4%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+3 pts over ICICI Bank HPCL Super Saver Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs ICICIReward Power
35%ACE34/35
ICICI31/35
ACE Wins
Fee Value & ROI
25%ACE22/25
ICICI22/25
Tie (22/25)
Lounge & Travel
20%ACE11/20
ICICI11/20
Tie (11/20)
Forex & Access
20%ACE12/20
ICICI12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 76
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 31/35
- Fee Value & ROI (25%)
- 22/25
- 22/25
- Lounge & Travel (20%)
- 11/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- ICICI Bank
- Network
- Visa
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- Cashback on utility bills via Google Pay and daily spending
- HPCL fuel buyers — maximum savings on petrol pump spends
03—Fees
- Joining fee
- ₹499Best
- ₹500
- Annual fee
- ₹499Best
- ₹500
- Fee waiver
- ₹2,00,000
- ₹1,50,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 55.55%
- 45%Best
- APR (max)
- 55.55%
- 45%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1.5%Best
- 1%
- Max rate
- 5%Best
- 4%
- Points / ₹100
- —
- 2
- Point value
- —
- ₹1
- Monthly cap
- —
- ₹200
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 1
- Lounge spend criteria
- ₹50,000 spend in the previous 3 calendar months.
- No spend condition
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹25,000
- ₹20,000
- Invite only
Rows won
05of 08
03of 08
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 76 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 31/35 |
| Fee Value & ROI (25%) | 22/25 | 22/25 |
| Lounge & Travel (20%) | 11/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | ICICI Bank |
| Network | Visa | RuPay |
| Card type | Regular | Co-branded |
| Best for | Cashback on utility bills via Google Pay and daily spending | HPCL fuel buyers — maximum savings on petrol pump spends |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹500 |
| Annual fee | ₹499Best | ₹500 |
| Fee waiver | ₹2,00,000 | ₹1,50,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 45%Best |
| APR (max) | 55.55% | 45%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1.5%Best | 1% |
| Max rate | 5%Best | 4% |
| Points / ₹100 | — | 2 |
| Point value | — | ₹1 |
| Monthly cap | — | ₹200 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 1 |
| Lounge spend criteria | ₹50,000 spend in the previous 3 calendar months. | No spend condition |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹25,000 | ₹20,000 |
| Invite only | ||
| Rows won | 05of 08 | 03of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | ICICI Bank HPCL Super Saver Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 76/100Very Good |
| Annual Fee | ₹499 | ₹500 |
| Fee Waiver Spend | ₹2L/yr | ₹1.5L/yr |
| Max Reward Potential | 5% | 4% |
| Domestic Lounge Access | 1 / quarter | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose ACE Credit Card if:
Your spending centers around cashback on utility bills via google pay and daily spending and you want direct partner rewards with Axis Bank.
Choose ICICI Bank HPCL Super Saver Credit Card if:
Your spending aligns with hpcl fuel buyers — maximum savings on petrol pump spends and you prioritize ICICI Bank's redemption benefits.
Frequently asked questions: ACE Credit Card vs ICICI Bank HPCL Super Saver Credit Card
- Which is better: ACE Credit Card or ICICI Bank HPCL Super Saver Credit Card?
- ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 76/100 (Very Good) for ICICI Bank HPCL Super Saver Credit Card (a lead of +3 points). ACE Credit Card gains its scoring lead primarily through reward potential (34 vs 31) while tying on fee value & ROI and lounge & travel privileges and forex & terms.
- How do annual fees and fee waiver spend rules compare?
- ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, ICICI Bank HPCL Super Saver Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹1.5 Lakh.
- How do the reward rates and cashback compare between ACE Credit Card and ICICI Bank HPCL Super Saver Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, ICICI Bank HPCL Super Saver Credit Card offers a base rate of 1% and up to 4% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: ACE Credit Card or ICICI Bank HPCL Super Saver Credit Card?
- ACE Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (₹50,000 spend in the previous 3 calendar months.). On the other hand, ICICI Bank HPCL Super Saver Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year).
- Which card is better for international foreign currency spends?
- ACE Credit Card levies a foreign currency markup fee of 3.5%, while ICICI Bank HPCL Super Saver Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).