Side-by-side · honest numbers
IDFC FIRST HPCL Power+ Credit Card vs IndusInd Bank Platinum Credit Card vs RBL Bank ShopRite
Honest side-by-side comparison of IDFC FIRST HPCL Power+ Credit Card, IndusInd Bank Platinum Credit Card, RBL Bank ShopRite — 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, IDFC FIRST HPCL Power+ Credit Card ranks first for estimated net annual value — ahead of RBL Bank ShopRite by about ₹2,900/yr.
| Feature | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | IndusInd Bank Platinum Credit Card IndusInd Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,360/yr | -₹20/yr | ₹460/yr |
| Groceries (offline) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) |
| Fuel | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — | — |
| Top reward rate | 30 pts/₹150 | 1 reward point/₹150 | 5% on first ₹1,000/mo |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | ₹1,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Bank Platinum Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC FIRST HPCL Power+ Credit Card leads with an estimated ₹3,360/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- RBL Bank ShopRite lists a minimum monthly income of ₹15,000.
- 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.
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
IndusInd Bank Platinum Credit Card
IndusInd Bank
RBL Bank ShopRite
RBL Bank
Your adjusted comparison
| Feature | 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 | IndusInd BankPlatinum IndusInd Bank Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd Bank | RBL BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,360/yr | -₹20/yr | ₹460/yr |
| Groceries (offline) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) |
| Fuel | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — | — |
| Top reward rate | 30 pts/₹150 | 1 reward point/₹150 | 5% on first ₹1,000/mo |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | ₹1,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/idfc-hpcl-power-plus-vs-indusind-platinum-vs-rbl-shopriteMore IDFC FIRST HPCL Power+ Credit Card comparisons
- IDFC FIRST HPCL Power+ Credit Card vs 811 Dream Different Credit Card
- IDFC FIRST HPCL Power+ Credit Card vs AU Altura Credit Card
- IDFC FIRST HPCL Power+ Credit Card vs AU Zenith Credit Card
- IDFC FIRST HPCL Power+ Credit Card vs American Express Gold Card
- IDFC FIRST HPCL Power+ Credit Card vs American Express Platinum Travel Card
- IDFC FIRST HPCL Power+ Credit Card vs American Express SmartEarn Credit Card
- IDFC FIRST HPCL Power+ Credit Card vs Amex Membership Rewards CC
- IDFC FIRST HPCL Power+ Credit Card vs Axis Bank ACE Credit Card
- IDFC FIRST HPCL Power+ Credit Card vs Axis Bank Airtel Credit Card
- IDFC FIRST HPCL Power+ Credit Card vs Axis Bank Atlas Credit Card
- IDFC FIRST HPCL Power+ Credit Card vs Axis Bank Flipkart Credit Card
- IDFC FIRST HPCL Power+ Credit Card vs Axis Bank Magnus Credit Card