Side-by-side · honest numbers
HSBC Cashback Credit Card vs IDFC FIRST HPCL Power+ Credit Card
Honest side-by-side comparison of HSBC Cashback Credit Card, IDFC FIRST HPCL Power+ Credit Card — 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
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HSBC Cashback Credit Card
HSBC
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | HSBC Cashback Credit Card HSBC | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹40,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,291/yr | ₹2,260/yr |
| Groceries (offline) | — | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) |
| Dining & delivery | ₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo | — |
| Fuel | — | ₹3,000 → 600 pts/mo × ₹0.25/pt = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 10% | 30 pts/₹150 |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet · Insurance |
| Bonuses | ||
| Signup bonus | — | ₹500 |
Stack mode (hold both)
Cap-aware split: ~₹8,091/yr combined NAV (₹1,800 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/hsbc-cashback-vs-idfc-hpcl-power-plusReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Cashback Credit Card leads IDFC FIRST HPCL Power+ Credit Card by about ₹4,031/yr in estimated net value.
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 | HSBC Cashback Credit Card HSBC | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹40,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,291/yr | ₹2,260/yr |
| Groceries (offline) | — | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) |
| Dining & delivery | ₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo | — |
| Fuel | — | ₹3,000 → 600 pts/mo × ₹0.25/pt = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 10% | 30 pts/₹150 |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | 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?
- HSBC Cashback Credit Card leads with an estimated ₹6,291/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.
More HSBC Cashback Credit Card comparisons
- HSBC Cashback Credit Card vs 811 Dream Different Credit Card
- HSBC Cashback Credit Card vs AU Altura Credit Card
- HSBC Cashback Credit Card vs AU Altura+ Credit Card
- HSBC Cashback Credit Card vs AU LIT Credit Card
- HSBC Cashback Credit Card vs AU Zenith Credit Card
- HSBC Cashback Credit Card vs American Express Gold Card
- HSBC Cashback Credit Card vs American Express Platinum Travel Card
- HSBC Cashback Credit Card vs American Express SmartEarn Credit Card
- HSBC Cashback Credit Card vs Amex Membership Rewards CC
- HSBC Cashback Credit Card vs Axis Bank ACE Credit Card
- HSBC Cashback Credit Card vs Axis Bank Airtel Credit Card
- HSBC Cashback Credit Card vs Axis Bank Atlas Credit Card