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 ₹7,941/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI SimplySAVE lists a minimum monthly income of ₹18,000.

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

HSBC Cashback Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs SBI SimplySAVE

Honest side-by-side comparison of HSBC Cashback Credit Card, IDFC FIRST HPCL Power+ Credit Card, SBI SimplySAVE — 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of SBI SimplySAVE by about ₹2,460/yr.

HSBC Cashback Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs SBI SimplySAVE comparison table
Feature	HSBC Cashback Credit Card HSBC	IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank	SBI SimplySAVE SBI Card
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	₹40,000/mo	₹20,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹7,941/yr	₹3,360/yr	₹5,481/yr
Groceries (offline)	—	5 pts per ₹150 spend → ₹50/mo (₹600/yr)	15 pts per ₹150 spend → ₹150/mo (₹1,800/yr)
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Fuel	—	30 pts per ₹150 spend → ₹200/mo (₹2,400/yr)	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Top reward rate	10%	30 pts/₹150	10 RP/₹100
Primary reward cap	₹1,000 eligible spend/mo	₹5,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet · Insurance	EMI · Rent · Wallet
Bonuses
Signup bonus	—	₹500	₹2,000

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?: HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI SimplySAVE lists a minimum monthly income of ₹18,000.
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

HSBC Cashback Credit Card

HSBC

Card 2

IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

Card 3

SBI SimplySAVE

SBI Card

Your adjusted comparison

Feature	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC	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 CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card
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	₹40,000/mo	₹20,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹7,941/yr	₹3,360/yr	₹5,481/yr
Groceries (offline)	—	5 pts per ₹150 spend → ₹50/mo (₹600/yr)	15 pts per ₹150 spend → ₹150/mo (₹1,800/yr)
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Fuel	—	30 pts per ₹150 spend → ₹200/mo (₹2,400/yr)	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Top reward rate	10%	30 pts/₹150	10 RP/₹100
Primary reward cap	₹1,000 eligible spend/mo	₹5,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet · Insurance	EMI · Rent · Wallet
Bonuses
Signup bonus	—	₹500	₹2,000

HSBC Cashback Credit Card details →IDFC FIRST HPCL Power+ Credit Card details →SBI SimplySAVE details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Cashback Credit Card comparisons