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IDFC FIRST HPCL Power+ Credit Card vs slice credit card

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

slice credit card

Slice

Your adjusted comparison

Feature
IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

slice credit card

slice credit card

Slice

Fees & eligibility
Annual fee₹499Lifetime free
Fee waiver thresholdWaived at ₹1,50,000/yr spendLifetime free
Min income₹20,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,260/yr₹3,240/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 rate30 pts/₹150Up to 1% cashback
Primary reward cap₹5,000 eligible spend/mo₹500 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)Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusionsEMI · Rent · Wallet · InsuranceRent · Wallet loads · EMI
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Cap-aware split: ~₹4,470/yr combined NAV (₹1,230 vs best solo). Both annual fees apply.

IDFC FIRST HPCL Power+ Credit Card details →slice credit card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, slice credit card leads IDFC FIRST HPCL Power+ Credit Card by about ₹980/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 slice credit card comparison table
FeatureIDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

slice credit card

Slice

Fees & eligibility
Annual fee₹499Lifetime free
Fee waiver thresholdWaived at ₹1,50,000/yr spendLifetime free
Min income₹20,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,260/yr₹3,240/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 rate30 pts/₹150Up to 1% cashback
Primary reward cap₹5,000 eligible spend/mo₹500 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)Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusionsEMI · Rent · Wallet · InsuranceRent · Wallet loads · EMI
Bonuses
Signup bonus₹500—

Frequently asked questions

Which card has the lower annual fee?
slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
slice credit card leads with an estimated ₹3,240/yr net annual value on moderate spend.
Which card has the lower income requirement?
slice 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.

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