Side-by-side · honest numbers
IDFC FIRST HPCL Power+ Credit Card vs Kotak Royale Signature Credit Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of IDFC FIRST HPCL Power+ Credit Card, Kotak Royale Signature Credit Card, Standard Chartered Ultimate Credit 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 Ultimate Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹400/yr.
| Feature | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹999 | ₹5,000 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,360/yr | ₹140/yr | ₹3,760/yr |
| Groceries (offline) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 30 pts/₹150 | 2X reward points | 5% |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Limited domestic lounge visits — verify on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Rent · Wallet | 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 Ultimate Credit Card leads with an estimated ₹3,760/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.
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Standard Chartered Ultimate Credit Card
Standard Chartered
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 | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹999 | ₹5,000 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,360/yr | ₹140/yr | ₹3,760/yr |
| Groceries (offline) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 30 pts/₹150 | 2X reward points | 5% |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Limited domestic lounge visits — verify on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
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https://cardhungry.com/in/en/compare/idfc-hpcl-power-plus-vs-kotak-royale-vs-sc-ultimateMore IDFC FIRST HPCL Power+ Credit Card comparisons
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