#1₹2,376/yr
IDFC FIRST HPCL Power+ Credit Card
30 pts/₹150 (5%) · UPI & RuPay
Best net value on this list — about ₹2,376/yr in your pocket after fees on typical spends.
UPI & RuPay·IDFC FIRST Bank
Popular lifetime-free IDFC entry card with never-expiring points.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 12 benefits →Dining / travel / international
10X from first txn
Other retail
3X
Utilities / insurance / rail / FASTag
1X
UPI
1X ≤₹2k / 3X >₹2k — modeled at 1X
Zero sales calls. Ever.
Caps & exclusions verified · 2026-09-24
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: IDFC FIRST Millennia May-26 letter — 10X/3X/1X ladder; LTF
Earn on UPI credit payments via RuPay-linked cards
RuPay variant supports UPI credit. Visa/Mastercard variants cannot use UPI credit.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: IDFC FIRST Millennia May-26 letter — 10X/3X/1X ladder; LTF
Dining / travel / international
10X from first txn
Other retail
3X
Utilities / insurance / rail / FASTag
1X
UPI
1X ≤₹2k / 3X >₹2k — modeled at 1X
Railway lounge
4 visits/quarter
Lounge access
4 complimentary railway lounge visits per quarter
Spend criteria: Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025)
Forex markup
3.5%
See worked examples of how points convert to cash value
dining — 10 pts per ₹150 spend
You spend
₹10,000
You earn
667 pts
Worth ≈
₹166.67
@ ₹0.25/point
travel — 10 pts per ₹150 spend
You spend
₹10,000
You earn
667 pts
Worth ≈
₹166.67
@ ₹0.25/point
utilities — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Based on moderate spend for this market
Est. net annual
₹1,970
per year
Annual fee
Free
per year
Effective return
0.5%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 3.5% — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
3.5%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹20,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹2,390/year. After the ₹0 annual fee, net value is approximately ₹1,970/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Rent.
Deeper rankings and comparisons for similar use cases.
IDFC FIRST HPCL Power+ Credit Card
30 pts/₹150 (5%) · UPI & RuPay
Best net value on this list — about ₹2,376/yr in your pocket after fees on typical spends.
SBI SimplySAVE
10 RP/₹150 (1.7%) · UPI & RuPay
Strong runner-up at ₹1,650/yr net — roughly ₹726 behind #1 on the same spend mix.
OneCard Metal Credit Card
1% (5X) · UPI & RuPay
Worth a look — ₹1,632/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
