Side-by-side · honest numbers
Axis IOCL Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of Axis IOCL Credit Card, IDFC FIRST HPCL Power+ Credit Card, SBI BPCL Octane — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis IOCL Credit Card
Axis Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
SBI BPCL Octane
SBI Card
Your adjusted comparison
| Feature | Axis IOCL Credit Card Axis Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹499 | ₹1,499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹98/yr | ₹1,042/yr | ₹1,275/yr |
| Groceries (offline) | ₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr) | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) | ₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) |
| Dining & delivery | — | — | ₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr) |
| Fuel | ₹900 → 180 pts/mo × ₹0.20/pt = ₹36/mo (₹432/yr) · issuer max ₹5,000/mo | ₹900 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) · issuer max ₹5,000/mo | ₹900 → 225 pts/mo × ₹0.25/pt = ₹56.25/mo (₹675/yr) · issuer max ₹10,000/mo |
| Top reward rate | 20 Edge Miles/₹100 | 30 pts/₹150 | 25X points |
| Primary reward cap | ₹5,000 eligible spend/mo | ₹5,000 eligible spend/mo | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Rent · Wallet · Insurance | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹6,000 |
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https://cardhungry.com/in/en/compare/axis-iocl-vs-idfc-hpcl-power-plus-vs-sbi-bpcl-octaneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI BPCL Octane ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹233/yr.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Axis IOCL Credit Card Axis Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹499 | ₹1,499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹98/yr | ₹1,042/yr | ₹1,275/yr |
| Groceries (offline) | ₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr) | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) | ₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) |
| Dining & delivery | — | — | ₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr) |
| Fuel | ₹900 → 180 pts/mo × ₹0.20/pt = ₹36/mo (₹432/yr) · issuer max ₹5,000/mo | ₹900 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) · issuer max ₹5,000/mo | ₹900 → 225 pts/mo × ₹0.25/pt = ₹56.25/mo (₹675/yr) · issuer max ₹10,000/mo |
| Top reward rate | 20 Edge Miles/₹100 | 30 pts/₹150 | 25X points |
| Primary reward cap | ₹5,000 eligible spend/mo | ₹5,000 eligible spend/mo | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Rent · Wallet · Insurance | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹6,000 |
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?
- SBI BPCL Octane leads with an estimated ₹1,275/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.
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