Side-by-side · honest numbers
Axis Bank Flipkart Credit Card vs HDFC Bank Infinia Credit Card vs IDFC FIRST HPCL Power+ Credit Card
Honest side-by-side comparison of Axis Bank Flipkart Credit Card, HDFC Bank Infinia 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, Axis Bank Flipkart Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹2,600/yr.
| Feature | Axis Bank Flipkart Credit Card Axis Bank | HDFC Bank Infinia Credit Card HDFC Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹12,500 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr | Waived at ₹1,50,000/yr spend |
| Min income | ₹25,000/mo | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | -₹4,128/yr | ₹3,360/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | — |
| Groceries (offline) | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Fuel | — | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Travel | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — |
| Top reward rate | 5% | 5 RP/₹150 | 30 pts/₹150 |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹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?
- Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/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.
Axis Bank Flipkart Credit Card
Axis Bank
HDFC Bank Infinia Credit Card
HDFC Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis Bank | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia 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 | ₹500 | ₹12,500 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr | Waived at ₹1,50,000/yr spend |
| Min income | ₹25,000/mo | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | -₹4,128/yr | ₹3,360/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | — |
| Groceries (offline) | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Fuel | — | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Travel | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — |
| Top reward rate | 5% | 5 RP/₹150 | 30 pts/₹150 |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹500 |
Share this comparison
https://cardhungry.com/in/en/compare/axis-flipkart-vs-hdfc-infinia-vs-idfc-hpcl-power-plusMore Axis Bank Flipkart Credit Card comparisons
- Axis Bank Flipkart Credit Card vs 811 Dream Different Credit Card
- Axis Bank Flipkart Credit Card vs AU Altura Credit Card
- Axis Bank Flipkart Credit Card vs AU Zenith Credit Card
- Axis Bank Flipkart Credit Card vs American Express Gold Card
- Axis Bank Flipkart Credit Card vs American Express Platinum Travel Card
- Axis Bank Flipkart Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Flipkart Credit Card vs Amex Membership Rewards CC
- Axis Bank Flipkart Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Magnus Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank My Zone Credit Card