Side-by-side · honest numbers
American Express Gold Card vs HDFC Bharat Cashback Credit Card vs IDFC FIRST HPCL Power+ Credit Card
Honest side-by-side comparison of American Express Gold Card, HDFC Bharat Cashback Credit Card, IDFC FIRST HPCL Power+ Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹2,070/yr.
| Feature | American Express Gold Card American Express | HDFC Bharat Cashback Credit Card HDFC Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | Lifetime free | ₹499 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹1,50,000/yr spend |
| Min income | ₹60,000/mo | ₹15,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | ₹5,430/yr | ₹3,360/yr |
| Groceries (offline) | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Dining & delivery | 4 pts per ₹150 spend → ₹53/mo (₹640/yr) | — | — |
| Fuel | — | 5% cashback → ₹200/mo (₹2,400/yr) | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Top reward rate | 4X Membership Rewards/₹150 | 5% cashback | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | ₹5,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Rent · Wallet loads · Insurance | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
American Express Gold Card
American Express
HDFC Bharat Cashback Credit Card
HDFC Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank | IDFC FIRST BankGold IDFC FIRST HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | Lifetime free | ₹499 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹1,50,000/yr spend |
| Min income | ₹60,000/mo | ₹15,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | ₹5,430/yr | ₹3,360/yr |
| Groceries (offline) | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Dining & delivery | 4 pts per ₹150 spend → ₹53/mo (₹640/yr) | — | — |
| Fuel | — | 5% cashback → ₹200/mo (₹2,400/yr) | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Top reward rate | 4X Membership Rewards/₹150 | 5% cashback | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | ₹5,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Rent · Wallet loads · Insurance | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹500 |
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