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 Cashback Credit Card leads with an estimated ₹6,750/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

Bajaj Finserv DBS Bank SuperCard vs IDFC FIRST HPCL Power+ Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, IDFC FIRST HPCL Power+ Credit Card, SBI Cashback 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, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹3,390/yr.

Bajaj Finserv DBS Bank SuperCard vs IDFC FIRST HPCL Power+ Credit Card vs SBI Cashback Credit Card comparison table
Feature	Bajaj Finserv DBS Bank SuperCard DBS Bank	IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank	SBI Cashback Credit Card SBI Card
Fees & eligibility
Annual fee	₹999	₹499	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,50,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹25,000/mo	₹20,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹3,360/yr	₹6,750/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	5% cashback → ₹500/mo (₹6,000/yr)
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	2X reward points	30 pts/₹150	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo	₹2,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Rent · Wallet · Insurance	Fuel · Utilities · Insurance · Rent · Wallet loads
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?: SBI Cashback Credit Card leads with an estimated ₹6,750/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

Bajaj Finserv DBS Bank SuperCard

DBS Bank

Card 2

IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

Card 3

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature	DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS 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 CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card
Fees & eligibility
Annual fee	₹999	₹499	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,50,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹25,000/mo	₹20,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹3,360/yr	₹6,750/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	5% cashback → ₹500/mo (₹6,000/yr)
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	2X reward points	30 pts/₹150	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo	₹2,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Rent · Wallet · Insurance	Fuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus	—	₹500	—

Bajaj Finserv DBS Bank SuperCard details →IDFC FIRST HPCL Power+ Credit Card details →SBI Cashback Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv DBS Bank SuperCard comparisons