Side-by-side · honest numbers
IDFC FIRST HPCL Power+ Credit Card vs OneCard Metal Credit Card
Honest side-by-side comparison of IDFC FIRST HPCL Power+ Credit Card, OneCard Metal 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
Customize your spend
Change spend profile or swap cards — results update live below.
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
OneCard Metal Credit Card
OneCard (BOB/FPL)
Your adjusted comparison
| Feature | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,260/yr | ₹3,120/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 | 1% cashback |
| 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) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Rent |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Stack mode (hold both)
Cap-aware split: ~₹4,410/yr combined NAV (₹1,290 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/idfc-hpcl-power-plus-vs-onecardReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, OneCard Metal Credit Card leads IDFC FIRST HPCL Power+ Credit Card by about ₹860/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 | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,260/yr | ₹3,120/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 | 1% cashback |
| 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) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Rent |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OneCard Metal Credit Card leads with an estimated ₹3,120/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card 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.
More 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 Altura+ Credit Card
- IDFC FIRST HPCL Power+ Credit Card vs AU LIT 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