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 ₹9,570/yr net annual value on moderate spend.

Which card has the lower income requirement?

Axis Bank My Zone 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 My Zone Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs SBI BPCL Octane

Honest side-by-side comparison of Axis Bank My Zone 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.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane ranks first for estimated net annual value — ahead of Axis Bank My Zone Credit Card by about ₹5,600/yr.

Axis Bank My Zone Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs SBI BPCL Octane comparison table
Feature	Axis Bank My Zone 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	₹20,000/mo	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹3,970/yr	₹3,360/yr	₹9,570/yr
Groceries (offline)	—	5 pts per ₹150 spend → ₹50/mo (₹600/yr)	6 pts per ₹150 spend → ₹60/mo (₹720/yr)
Dining & delivery	4% cashback → ₹160/mo (₹1,920/yr)	—	6 pts per ₹150 spend → ₹40/mo (₹480/yr)
Fuel	—	30 pts per ₹150 spend → ₹200/mo (₹2,400/yr)	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)
Top reward rate	4%	30 pts/₹150	25X points
Primary reward cap	₹400 rewards/mo cap	₹5,000 eligible spend/mo	₹10,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · 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 ₹9,570/yr net annual value on moderate spend.
Which card has the lower income requirement?: Axis Bank My Zone 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 My Zone Credit Card

Axis Bank

Card 2

IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

Card 3

SBI BPCL Octane

SBI Card

Your adjusted comparison

Feature	Axis BankGold Axis Bank My Zone Credit Card •••• •••• •••• 4242 Quick facts Axis Bank My Zone Credit Card Top reward4% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank My Zone 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	SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back 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	₹20,000/mo	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹3,970/yr	₹3,360/yr	₹9,570/yr
Groceries (offline)	—	5 pts per ₹150 spend → ₹50/mo (₹600/yr)	6 pts per ₹150 spend → ₹60/mo (₹720/yr)
Dining & delivery	4% cashback → ₹160/mo (₹1,920/yr)	—	6 pts per ₹150 spend → ₹40/mo (₹480/yr)
Fuel	—	30 pts per ₹150 spend → ₹200/mo (₹2,400/yr)	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)
Top reward rate	4%	30 pts/₹150	25X points
Primary reward cap	₹400 rewards/mo cap	₹5,000 eligible spend/mo	₹10,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Rent · Wallet · Insurance	Non-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus	—	₹500	₹6,000

Axis Bank My Zone Credit Card details →IDFC FIRST HPCL Power+ Credit Card details →SBI BPCL Octane details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Axis Bank My Zone Credit Card comparisons