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.

Side-by-side · honest numbers

Axis IOCL Credit Card vs IDFC FIRST HPCL Power+ Credit Card

Honest side-by-side comparison of 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 leads Axis IOCL Credit Card by about ₹1,994/yr in estimated net value.

Axis IOCL Credit Card vs IDFC FIRST HPCL Power+ Credit Card comparison table
Feature	Axis IOCL Credit Card Axis Bank	IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	₹500	₹499
Fee waiver threshold	No waiver published	Waived at ₹1,50,000/yr spend
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹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	20 Edge Miles/₹100	30 pts/₹150
Primary reward cap	₹5,000 eligible spend/mo	₹5,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-IOCL fuel · EMI · Rent	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	—	₹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.

Card 1

Axis IOCL Credit Card

Axis Bank

Card 2

IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature	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	₹500	₹499
Fee waiver threshold	No waiver published	Waived at ₹1,50,000/yr spend
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹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	20 Edge Miles/₹100	30 pts/₹150
Primary reward cap	₹5,000 eligible spend/mo	₹5,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-IOCL fuel · EMI · Rent	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	—	₹500

Axis IOCL 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 IOCL Credit Card comparisons