IDFC FIRST Power+ Credit Card
Households whose spend leans HPCL fuel, groceries, utilities and FASTag.
Main trade-off
The elevated rates are limited to eligible merchants and categories and remain subject to issuer caps.
Direct comparison
Compare 2 credit cards
Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | IDFC FIRST Bank IDFC FIRST Power+ Credit Card | ICICI Bank ICICI Bank HPCL Super Saver Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | ICICI Bank |
| Network | RuPay | Visa + RuPay |
| Annual fee | ₹499 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.5% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 5% · Utility rewards | 5% · Utility and telecom rewards |
| Groceries & essentials | 5% · Grocery rewards | 5% · Grocery rewards |
| Fuel & commute | 0.5% · HPCL fuel rewards | 4% · HPCL fuel cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | HPCL fuel reward value: ₹250/month · Grocery reward value: ₹150/month · Utility reward value: ₹100/month | HPCL fuel cashback: ₹200/month |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 4 domestic airport lounge visits per year | 4 domestic airport lounge visits per year |
| Forex markup | 0% | 3.5% |
| Monthly income requirement | Approx. ₹25,000/month salaried · ₹25,000/month self-employed | Approx. ₹20,000/month salaried · ₹20,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Households whose spend leans HPCL fuel, groceries, utilities and FASTag. | Budget-conscious households that consistently refuel at HPCL and spend on groceries and utility bills. |
| Main trade-off | The elevated rates are limited to eligible merchants and categories and remain subject to issuer caps. | The 400-point essentials cap is shared per statement cycle. Movie access needs ₹25,000 and lounge access ₹75,000 in the preceding quarter; waived annual fee removes roadside assistance eligibility. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Your spending
Which card gives you more value?
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
Monthly total
₹0
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
Merchant-specific bonuses are not assumed for broad categories. The calculation uses the verified general eligible rate unless a qualifying merchant is explicitly supplied in a detailed GainFair flow.
Add at least one spending amount to calculate your comparison.