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| Feature | HDFC Bank HDFC Bank UPI RuPay 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 | ₹99 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹25,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.3% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 0.5% · Eligible PayZapp CashPoints | 5% · Utility rewards |
| Groceries & essentials | 0.8% · Eligible PayZapp CashPoints | 5% · Grocery rewards |
| Dining & delivery | 0.8% · Eligible PayZapp CashPoints | 0.5% · UPI and other retail rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Three-CashPoint rewards: ₹125/month · Two-CashPoint utility rewards: ₹125/month · One-CashPoint base rewards: ₹125/month | 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 | Not listed | Approx. ₹25,000/month salaried · ₹25,000/month self-employed |
| Terms verified | 21 Sept 2026 | 13 Sept 2026 |
| Best suited to | Existing HDFC Bank credit-card customers who want a low-fee RuPay floater card for merchant UPI payments. | Households whose spend leans HPCL fuel, groceries, utilities and FASTag. |
| Main trade-off | The advertised 3%, 2% and 1% figures are CashPoint earn rates, not cashback percentages; one CashPoint is worth ₹0.25 for statement credit. | 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.
