Side-by-side · honest numbers
IDFC FIRST HPCL Power+ Credit Card vs SBI BPCL Octane vs YES ACE Credit Card
Honest side-by-side comparison of IDFC FIRST HPCL Power+ Credit Card, SBI BPCL Octane, YES ACE 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
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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
SBI BPCL Octane
SBI Card
YES ACE Credit Card
YES Bank
Your adjusted comparison
| Feature | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI BPCL Octane SBI Card | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹1,499 | ₹499 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹30,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹2,260/yr | ₹2,850/yr | ₹3,401/yr |
| Groceries (offline) | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) | ₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) | — |
| Dining & delivery | — | ₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr) | — |
| Fuel | ₹3,000 → 600 pts/mo × ₹0.25/pt = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo | ₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo | ₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo |
| Top reward rate | 30 pts/₹150 | 25X points | 4% cashback |
| Primary reward cap | ₹5,000 eligible spend/mo | ₹10,000 eligible spend/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | Non-BPCL fuel · EMI · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | ₹6,000 | — |
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https://cardhungry.com/in/en/compare/idfc-hpcl-power-plus-vs-sbi-bpcl-octane-vs-yes-aceReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, YES ACE Credit Card ranks first for estimated net annual value — ahead of SBI BPCL Octane by about ₹551/yr.
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 | SBI BPCL Octane SBI Card | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹1,499 | ₹499 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹30,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹2,260/yr | ₹2,850/yr | ₹3,401/yr |
| Groceries (offline) | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) | ₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) | — |
| Dining & delivery | — | ₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr) | — |
| Fuel | ₹3,000 → 600 pts/mo × ₹0.25/pt = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo | ₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo | ₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo |
| Top reward rate | 30 pts/₹150 | 25X points | 4% cashback |
| Primary reward cap | ₹5,000 eligible spend/mo | ₹10,000 eligible spend/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet · Insurance | Non-BPCL fuel · EMI · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | ₹6,000 | — |
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?
- YES ACE Credit Card leads with an estimated ₹3,401/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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