Side-by-side · honest numbers
American Express Gold Card vs HDFC Diners Club Black Metal vs IDFC FIRST HPCL Power+ Credit Card
Honest side-by-side comparison of American Express Gold Card, HDFC Diners Club Black Metal, 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, IDFC FIRST HPCL Power+ Credit Card ranks first for estimated net annual value — ahead of American Express Gold Card by about ₹2,790/yr.
| Feature | American Express Gold Card American Express | HDFC Diners Club Black Metal HDFC Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹10,000 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹60,000/mo | ₹1,50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | -₹6,300/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 | — | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Travel | — | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 4X Membership Rewards/₹150 | 10X points | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST HPCL Power+ Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- IDFC FIRST HPCL Power+ Credit Card leads with an estimated ₹3,360/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.
- 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 Diners Club Black Metal
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 BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal 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 | ₹10,000 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹60,000/mo | ₹1,50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | -₹6,300/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 | — | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Travel | — | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 4X Membership Rewards/₹150 | 10X points | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹500 |
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