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| Feature | HDFC Bank IndianOil HDFC Bank Credit Card | IDFC FIRST Bank IDFC FIRST Power+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | IDFC FIRST Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹500 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹50,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.6% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 4.8% · Bill-payment Fuel Points | 5% · Utility rewards |
| Groceries & essentials | 4.8% · Grocery Fuel Points | 5% · Grocery rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | HPCL fuel reward value: ₹250/month · Grocery reward value: ₹150/month · Utility reward value: ₹100/month |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Approx. ₹12,000/month salaried · ₹50,000/month self-employed | Approx. ₹25,000/month salaried · ₹25,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | IndianOil customers who also want reward coverage on groceries and utility bills. | Households whose spend leans HPCL fuel, groceries, utilities and FASTag. |
| Main trade-off | The eligible IndianOil fuel earn is capped at 150 points per month after the first six months; accelerated fuel rewards do not apply to UPI fuel transactions. | The elevated rates are limited to eligible merchants and categories and remain subject to issuer caps. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
