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?

HDFC MoneyBack+ 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.

Side-by-side · honest numbers

Axis Bank Flipkart Credit Card vs HDFC MoneyBack+ Credit Card vs IDFC FIRST HPCL Power+ Credit Card

Honest side-by-side comparison of Axis Bank Flipkart Credit Card, HDFC MoneyBack+ 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.

Axis Bank Flipkart Credit Card vs HDFC MoneyBack+ Credit Card vs IDFC FIRST HPCL Power+ Credit Card comparison table
Feature	Axis Bank Flipkart Credit Card Axis Bank	HDFC MoneyBack+ Credit Card HDFC Bank	IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	₹500	₹500	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Waived at ₹1,50,000/yr spend
Min income	₹25,000/mo	₹20,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹5,960/yr	₹690/yr	₹3,360/yr
Online shopping	5% cashback → ₹200/mo (₹2,400/yr) (cap hit)	10 pts per ₹150 spend → ₹42/mo (₹500/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)
Top reward rate	5%	10X points	30 pts/₹150
Primary reward cap	₹4,000 eligible spend/mo	₹2,500 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 · Wallet · Insurance	EMI · Fuel · Rent	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	₹500	₹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?: HDFC MoneyBack+ 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.

Card 1

Axis Bank Flipkart Credit Card

Axis Bank

Card 2

HDFC MoneyBack+ Credit Card

HDFC Bank

Card 3

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 BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ 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	₹500	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Waived at ₹1,50,000/yr spend
Min income	₹25,000/mo	₹20,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹5,960/yr	₹690/yr	₹3,360/yr
Online shopping	5% cashback → ₹200/mo (₹2,400/yr) (cap hit)	10 pts per ₹150 spend → ₹42/mo (₹500/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)
Top reward rate	5%	10X points	30 pts/₹150
Primary reward cap	₹4,000 eligible spend/mo	₹2,500 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 · Wallet · Insurance	EMI · Fuel · Rent	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	₹500	₹500	₹500

Axis Bank Flipkart Credit Card details →HDFC MoneyBack+ Credit Card details →IDFC FIRST HPCL Power+ Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Axis Bank Flipkart Credit Card comparisons