#1₹1,970/yr
IDFC FIRST Millennia Credit Card
10X from first txn · UPI & RuPay
Best net value on this list — about ₹1,970/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹20,000/mo income · Unsecured
UPI & RuPay·IDFC FIRST Bank
Alternative to BPCL/IOCL for HP pump users.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 10 benefits →HPCL fuel
30 pts/₹150 (5%)
₹12,000 spend/statement cycle
Grocery & utility
30 pts/₹150 (5%)
400 pts (₹2,000 spend) per cycle combined
Other retail
3X points
Fuel
30 pts/150
On ₹12,000/mo spend
Signup bonus: ₹500 (year 1)
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 HPCL Power+ product page; caps corrected Oct 2026 from public sources (confirm against IDFC MITC)
Earn on UPI credit payments via RuPay-linked cards
HPCL Power and Power+ are offered on RuPay with UPI linking. Only the RuPay variant can be linked for UPI credit; Visa/Mastercard variants cannot, so choose RuPay at application.
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 HPCL Power+ product page; caps corrected Oct 2026 from public sources (confirm against IDFC MITC)
HPCL fuel
30 pts/₹150 (5%)
Cap: ₹12,000 spend/statement cycle
Example: ₹12,000/mo spend → ≈ ₹600/mo (max at cap)
Grocery & utility
30 pts/₹150 (5%)
Cap: 400 pts (₹2,000 spend) per cycle combined
Example: ₹2,000/mo spend → ≈ ₹100/mo (max at cap)
Other retail
3X points
Fee waiver at
₹1,50,000 annual spend
Lounge access
1 domestic airport lounge visit per quarter
Spend criteria: Lounge gated on ₹20,000 spend in the previous calendar month
Fuel waiver
1% surcharge waiver on HPCL fuel ₹400–₹4,000
See worked examples of how points convert to cash value
fuel — 30 pts per ₹150 spend
You spend
₹10,000
You earn
2000 pts
Worth ≈
₹500.00
@ ₹0.25/point
Capped at ₹12,000/month spend for accelerated rate
groceries — 30 pts per ₹150 spend
You spend
₹100
You earn
20 pts
Worth ≈
₹5
@ ₹0.25/point
Capped at ₹100/month spend for accelerated rate
utilities — 30 pts per ₹150 spend
You spend
₹100
You earn
20 pts
Worth ≈
₹5
@ ₹0.25/point
Capped at ₹100/month spend for accelerated rate
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
₹2,376
per year
Annual fee
Free
per year
Effective return
0.6%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹499 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹499
Annual / renewal fee
Waived on ₹1,50,000 annual spend
₹499
Forex markup
3.5% on international transactions
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 ₹2,796/year. After the ₹499 annual fee, net value is approximately ₹2,376/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Rent, Wallet top-ups, Insurance.
Deeper rankings and comparisons for similar use cases.
IDFC FIRST Millennia Credit Card
10X from first txn · UPI & RuPay
Best net value on this list — about ₹1,970/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 ₹320 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.
