Side-by-side · honest numbers
Amex Membership Rewards CC vs Axis IOCL Credit Card vs IDFC FIRST HPCL Power+ Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, Axis IOCL 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, IDFC FIRST HPCL Power+ Credit Card ranks first for estimated net annual value — ahead of Axis IOCL Credit Card by about ₹1,994/yr.
| Feature | Amex Membership Rewards CC American Express | Axis IOCL Credit Card Axis Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹500 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹1,366/yr | ₹3,360/yr |
| Groceries (offline) | — | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Fuel | — | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Top reward rate | 2 RP/₹150 | 20 Edge Miles/₹100 | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | ₹5,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | Non-IOCL fuel · EMI · Rent | 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.
Amex Membership Rewards CC
American Express
Axis IOCL Credit Card
Axis Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express | Axis BankGold Axis IOCL Credit Card •••• •••• •••• 4242 Quick facts Axis IOCL Credit Card Top reward20 Edge Miles/₹100 Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis IOCL Credit Card Axis 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 | ₹500 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹1,366/yr | ₹3,360/yr |
| Groceries (offline) | — | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Fuel | — | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Top reward rate | 2 RP/₹150 | 20 Edge Miles/₹100 | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | ₹5,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | Non-IOCL fuel · EMI · Rent | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹500 |
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-axis-iocl-vs-idfc-hpcl-power-plusMore Amex Membership Rewards CC comparisons
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