Side-by-side · honest numbers
IDFC FIRST HPCL Power+ Credit Card vs IDFC FIRST Mayura Credit Card
Honest side-by-side comparison of IDFC FIRST HPCL Power+ Credit Card, IDFC FIRST Mayura 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
IDFC FIRST Mayura Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | IDFC FIRST Mayura Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹5,999 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,376/yr | -₹4,279/yr |
| Groceries (offline) | ₹5,000 → 1,000 pts/mo × ₹0.25/pt = ₹50/mo (capped) (₹600/yr) · cap reached | — |
| Fuel | ₹900 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) · issuer max ₹12,000/mo | — |
| Utilities & bills | ₹3,500 → 700 pts/mo × ₹0.25/pt = ₹50/mo (capped) (₹600/yr) · cap reached | — |
| Top reward rate | 30 pts/₹150 (5%) | 5 pts/₹150 |
| Primary reward cap | ₹12,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month | 4 domestic (incl. 1 guest) + 4 international lounge visits/quarter; 4 railway visits/quarter · Lounge and movie BOGO gated on ₹20,000 spend in the previous calendar month |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per IDFC FIRST MITC | Earns: Associated FIRST Digital RuPay card earns up to 3X on UPI above ₹2,000 · cap Per Mayura rewards T&Cs |
| Key exclusions | EMI · Rent · Wallet · Insurance | Fuel · EMI · Fees · Cash · Balance transfer |
| Bonuses | ||
| Signup bonus | ₹500 | ₹1,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/idfc-hpcl-power-plus-vs-idfc-mayuraReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST HPCL Power+ Credit Card leads IDFC FIRST Mayura Credit Card by about ₹6,655/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 | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | IDFC FIRST Mayura Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹5,999 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,376/yr | -₹4,279/yr |
| Groceries (offline) | ₹5,000 → 1,000 pts/mo × ₹0.25/pt = ₹50/mo (capped) (₹600/yr) · cap reached | — |
| Fuel | ₹900 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) · issuer max ₹12,000/mo | — |
| Utilities & bills | ₹3,500 → 700 pts/mo × ₹0.25/pt = ₹50/mo (capped) (₹600/yr) · cap reached | — |
| Top reward rate | 30 pts/₹150 (5%) | 5 pts/₹150 |
| Primary reward cap | ₹12,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month | 4 domestic (incl. 1 guest) + 4 international lounge visits/quarter; 4 railway visits/quarter · Lounge and movie BOGO gated on ₹20,000 spend in the previous calendar month |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per IDFC FIRST MITC | Earns: Associated FIRST Digital RuPay card earns up to 3X on UPI above ₹2,000 · cap Per Mayura rewards T&Cs |
| Key exclusions | EMI · Rent · Wallet · Insurance | Fuel · EMI · Fees · Cash · Balance transfer |
| Bonuses | ||
| Signup bonus | ₹500 | ₹1,000 |
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?
- IDFC FIRST HPCL Power+ Credit Card leads with an estimated ₹2,376/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.
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