Side-by-side · honest numbers
IDFC FIRST HPCL Power+ Credit Card vs OneCard Metal Credit Card vs SBI Card PRIME
Honest side-by-side comparison of IDFC FIRST HPCL Power+ Credit Card, OneCard Metal Credit Card, SBI Card PRIME — 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, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹600/yr.
| Feature | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | OneCard Metal Credit Card OneCard (BOB/FPL) | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | Lifetime free | ₹2,999 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free | ₹5,00,000/yr |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,360/yr | ₹3,960/yr | ₹1,501/yr |
| Groceries (offline) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 30 pts/₹150 | 1% cashback | 4X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge visits per year — verify count |
| 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 | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹3,000 |
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 ₹3,960/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.
Customize your spend
Change spend profile or swap cards — results update live below.
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
SBI Card PRIME
SBI Card
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 | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | Lifetime free | ₹2,999 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free | ₹5,00,000/yr |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,360/yr | ₹3,960/yr | ₹1,501/yr |
| Groceries (offline) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 30 pts/₹150 | 1% cashback | 4X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge visits per year — verify count |
| 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 | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹3,000 |
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