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HSBC Smart Value Credit Card
HSBC Smart Value Credit Card
HSBC
VS
WINNER
ICICI HPCL Super Saver Credit Card
ICICI HPCL Super Saver Credit Card
ICICI Bank

HSBC Smart Value Credit Card vs ICICI HPCL Super Saver Credit Card

Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.

credit card
Updated Jul 2026
78
Overall Score / 100
3.9/5
Recommended
82
Overall Score / 100
4.1/5

Scoreboard· 3 measured features

0
HSBC Smart Value Credit Card
0
Tied
3
ICICI HPCL Super Saver Credit Card
Overall winner

What would you save?· ₹ per year, after fees

50,000
₹5k₹1L₹2L
HSBC Smart Value Credit Card
Rewards (3.0%)+ ₹18,000
Annual fee− ₹750
Net per year+17,250
Better here
ICICI HPCL Super Saver Credit Card
Rewards (5.0%)+ ₹30,000
Annual fee− ₹499
Net per year+29,501
ICICI HPCL Super Saver Credit Card gives you 12,251 more per year at this spend level.

Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.

Feature-by-Feature Comparison

Feature
HSBC Smart Value Credit Card
ICICI HPCL Super Saver Credit Card
Annual Fee
₹750
₹499
Reward Rate
3
5
Min. Income
₹30,000
₹25,000
Min. Credit Score
700
700

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

ICICI HPCL Super Saver Credit Card wins here with a lower annual fee (₹499 vs ₹750) and a higher reward rate (5% vs 3%). HSBC Smart Value Credit Card remains a solid alternative at ₹750 annually, especially if you're already banking with HSBC.

Who Should Get Which?

💰
Choose ICICI HPCL Super Saver Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose HSBC Smart Value Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
HSBC Smart Value Credit Card
HSBC Smart Value Credit Card
HSBC

Opens official HSBC website

ICICI HPCL Super Saver Credit Card
ICICI HPCL Super Saver Credit Card
ICICI Bank

Opens official ICICI Bank website

Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.

No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards