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?

Standard Chartered Smart Card leads with an estimated ₹3,731/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 RBL Bank SuperCard vs IDFC FIRST HPCL Power+ Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, IDFC FIRST HPCL Power+ Credit Card, Standard Chartered Smart 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹371/yr.

Bajaj Finserv RBL Bank SuperCard vs IDFC FIRST HPCL Power+ Credit Card vs Standard Chartered Smart Card comparison table
Feature	Bajaj Finserv RBL Bank SuperCard RBL Bank	IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank	Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	₹999	₹499	₹499
Fee waiver threshold	No waiver published	Waived at ₹1,50,000/yr spend	No waiver published
Min income	₹25,000/mo	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹739/yr	₹3,360/yr	₹3,731/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	2% cashback → ₹200/mo (₹2,400/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 points/₹150	30 pts/₹150	2% cashback
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI interest · Cash advance	EMI · Rent · Wallet · Insurance	EMI · Fuel · Rent
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?: Standard Chartered Smart Card leads with an estimated ₹3,731/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 RBL Bank SuperCard

RBL Bank

Card 2

IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

Card 3

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature	RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL 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	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	₹999	₹499	₹499
Fee waiver threshold	No waiver published	Waived at ₹1,50,000/yr spend	No waiver published
Min income	₹25,000/mo	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹739/yr	₹3,360/yr	₹3,731/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	2% cashback → ₹200/mo (₹2,400/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 points/₹150	30 pts/₹150	2% cashback
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI interest · Cash advance	EMI · Rent · Wallet · Insurance	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹500	—

Bajaj Finserv RBL Bank SuperCard details →IDFC FIRST HPCL Power+ Credit Card details →Standard Chartered Smart Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv RBL Bank SuperCard comparisons