Side-by-side · honest numbers
IDFC FIRST HPCL Power+ Credit Card vs RBL Bank Icon Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of IDFC FIRST HPCL Power+ Credit Card, RBL Bank Icon Credit Card, SBI Card against Fixed Deposit — 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 SBI Card against Fixed Deposit by about ₹1,590/yr.
| Feature | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | RBL Bank Icon Credit Card RBL Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹5,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹20,000/mo | ₹50,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹3,360/yr | -₹4,920/yr | ₹1,770/yr |
| Groceries (offline) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 30 pts/₹150 | 2X points/₹150 | 80% of FD value |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent | Not stated |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit 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?
- IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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
RBL Bank Icon Credit Card
RBL Bank
SBI Card against Fixed Deposit
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 | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹5,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹20,000/mo | ₹50,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹3,360/yr | -₹4,920/yr | ₹1,770/yr |
| Groceries (offline) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 30 pts/₹150 | 2X points/₹150 | 80% of FD value |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent | Not stated |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/idfc-hpcl-power-plus-vs-rbl-icon-vs-sbi-fd-securedMore 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