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IDFC FIRST HPCL Power+ Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of IDFC FIRST HPCL Power+ Credit Card, SBI Cashback 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 Cashback Credit Card

SBI Card

Your adjusted comparison

Feature
IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹499₹999
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,260/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
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 rate30 pts/₹1505%
Primary reward cap₹5,000 eligible spend/mo₹2,000 rewards/mo cap
Perks & restrictions
Lounge access1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar monthNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet · InsuranceFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Cap-aware split: ~₹7,450/yr combined NAV (₹1,930 vs best solo). Both annual fees apply.

IDFC FIRST HPCL Power+ Credit Card details →SBI Cashback Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card leads IDFC FIRST HPCL Power+ Credit Card by about ₹3,260/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

IDFC FIRST HPCL Power+ Credit Card vs SBI Cashback Credit Card comparison table
FeatureIDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹499₹999
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,260/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
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 rate30 pts/₹1505%
Primary reward cap₹5,000 eligible spend/mo₹2,000 rewards/mo cap
Perks & restrictions
Lounge access1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar monthNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet · InsuranceFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus₹500—

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?
SBI Cashback Credit Card leads with an estimated ₹5,520/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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