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Comparison · हिन्दी

IDFC FIRST Power Plus vs ICICI HPCL Super Saver

Both cards compared on real rupee returns for best HPCL fuel credit card India IDFC vs ICICI. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
IDFC FIRST
POWER PLUS
ASHOK KUMAR
VS
ICICI
HPCL SUPER SAV
ASHOK KUMAR
Our verdict
IDFC FIRST Power Plus Credit Card wins for most people
Card A wins with ₹6,341 annual benefit versus Card B's ₹3,820. Its 5% fuel rewards on HPCL and strong grocery/utility cashback significantly outpace Card B's capped fuel benefits, making it the superior choice for this spend profile.
Side-by-side comparison
IDFC FIRST Power Plus Credit Card ✓ ICICI Bank HPCL Super Saver Credit Card
Annual benefit ₹6,341 ₹3,820
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1,50,000/year spend) ₹500 + taxes (waived on ₹1,50,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% on HPCL fuel (30 RP per ₹150, capped ₹12,000/month); 5% on grocery and utility; 0.5% base; RuPay network 4% cashback on HPCL fuel (capped ₹200/month) + 1% surcharge waiver; 5% rewards on departmental stores and utility bills; 0.5% on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter (on ₹5,000/month spend) 1 domestic visit/quarter (on ₹75,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Best HPCL fuel card in India for medium-to-high monthly fuel spenders HPCL fuel users wanting the highest cashback at HPCL petrol pumps
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried) ₹20,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
IDFC FIRST Power Plus Credit Card
Card A excels when you have consistent monthly fuel spend of ₹6,000+, as its uncapped 5% HPCL rewards (up to ₹12,000/month cap) far exceed Card B's ₹200/month fuel cashback limit. It's ideal for regular fuel buyers.
ICICI Bank HPCL Super Saver Credit Card
Card B suits users with fuel spend below ₹3,000/month who want simplicity and don't need rewards optimization. It's better if you prioritize departmental store shopping over fuel, though this profile doesn't reflect that spending.
Who should get which card
Get IDFC FIRST Power Plus if you…
· High monthly fuel spenders (₹6,000+) seeking maximum HPCL cashback without caps
· Grocery and utility bill payers who benefit from 5% rewards on these categories
· Those who value uncapped earning potential beyond the ₹200/month fuel limit
Get ICICI Bank HPCL Super Saver if you…
· Low fuel spenders (₹3,000 or less) who want simplicity and capped benefits
· Regular departmental store shoppers seeking 5% rewards on large purchases
· Users prioritizing surcharge waiver at HPCL pumps over absolute reward volume
Partner offer
RBL Bank IndianOil XTRA Credit Card
Heavy IndianOil fuel spenders who will redeem points at IndianOil pumps, not those wanting flexible cashback
Apply now →
RBL
ASHOK KUMAR

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Related guides
ICICI Bank HPCL Super Saver vs BPCL SBI →IDFC FIRST Power Plus vs BPCL SBI Card Octane →SC Super Value Titanium vs IDFC FIRST Power Plus →IDFC FIRST Power vs ICICI Bank HPCL Super Saver →Best Fuel Credit Cards →Best Credit Cards for Grocery Shopping →Best Credit Cards for Utility Bill Payments →
Frequently asked questions
Based on our analysis, IDFC FIRST Power Plus Credit Card offers better annual returns for most spend profiles.
IDFC FIRST Power Plus Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,50,000/year spend). ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500 + taxes (waived on ₹1,50,000/year spend).
IDFC FIRST Power Plus Credit Card offers 5% on HPCL fuel (30 RP per ₹150, capped ₹12,000/month); 5% on grocery and utility; 0.5% base; RuPay network. ICICI Bank HPCL Super Saver Credit Card offers 4% cashback on HPCL fuel (capped ₹200/month) + 1% surcharge waiver; 5% rewards on departmental stores and utility bills; 0.5% on others.
IDFC FIRST Power Plus Credit Card lounge access: 1 domestic visit/quarter (on ₹5,000/month spend). ICICI Bank HPCL Super Saver Credit Card lounge access: 1 domestic visit/quarter (on ₹75,000/quarter spend).
IDFC FIRST Power Plus Credit Card charges 3.5% forex markup. ICICI Bank HPCL Super Saver Credit Card charges 3.5% forex markup.