Side-by-side · honest numbers
IDFC FIRST HPCL Power+ Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of IDFC FIRST HPCL Power+ Credit Card, Kotak Urbane Gold Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹199 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,260/yr | ₹1,020/yr |
| Groceries (offline) | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) | — |
| Fuel | ₹3,000 → 600 pts/mo × ₹0.25/pt = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo | — |
| Top reward rate | 30 pts/₹150 | 3 reward points/₹100 |
| Primary reward cap | ₹5,000 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 | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Stack mode (hold both)
Cap-aware split: ~₹3,020/yr combined NAV (₹760 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/idfc-hpcl-power-plus-vs-kotak-urbaneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST HPCL Power+ Credit Card leads Kotak Urbane Gold Credit Card by about ₹1,240/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 | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹199 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,260/yr | ₹1,020/yr |
| Groceries (offline) | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) | — |
| Fuel | ₹3,000 → 600 pts/mo × ₹0.25/pt = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo | — |
| Top reward rate | 30 pts/₹150 | 3 reward points/₹100 |
| Primary reward cap | ₹5,000 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 | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak Urbane Gold Credit Card has the lowest annual fee at ₹199.
- Which card earns more on moderate spend?
- IDFC FIRST HPCL Power+ Credit Card leads with an estimated ₹2,260/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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