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Comparison · हिन्दी

IDFC FIRST Power vs ICICI HPCL Super Saver

Both cards compared on real rupee returns for best budget 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
ASHOK KUMAR
VS
ICICI
HPCL SUPER SAV
ASHOK KUMAR
Our verdict
IDFC FIRST Power Credit Card wins for most people
Card A wins with ₹2,800 annual benefit versus Card B's ₹2,500, delivering ₹300 more value despite lower rewards rates, thanks to its minimal fee that gets waived at your spend level.
Side-by-side comparison
IDFC FIRST Power Credit Card ✓ ICICI Bank HPCL Super Saver Credit Card
Annual benefit ₹2,800 ₹2,500
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹199 + taxes (waived on ₹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 → 3.5% on HPCL fuel (21 RP per ₹150, capped ₹5,000/month); 2.5% on grocery and utility; 0.33% 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 → None 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 Budget HPCL fuel card with grocery and utility rewards at the lowest annual fee 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 → ₹15,000/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 → 650+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
IDFC FIRST Power Credit Card
Choose Card A if you spend ₹50,000+ annually—the fee waives completely, maximizing net benefits. Ideal for budget-conscious users prioritizing fuel and grocery rewards without premium fees.
ICICI Bank HPCL Super Saver Credit Card
Choose Card B only if HPCL fuel spending is your absolute priority and you value 4% cashback at pumps over overall rewards. Requires ₹1,50,000+ annual spend to justify the higher fee.
Who should get which card
Get IDFC FIRST Power if you…
· Fee waives at ₹50,000/year spend—you easily hit this target
· Best overall value: ₹2,800 annual benefit after fees
· Strong 2.5% rewards on groceries and utilities combined
· RuPay network with growing merchant acceptance
Get ICICI Bank HPCL Super Saver if you…
· Highest fuel cashback at HPCL pumps (4% capped ₹200/month)
· 5% rewards on departmental store purchases
· 1% fuel surcharge waiver adds extra savings
· Better for high-spend HPCL fuel users only
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 ICICI Bank HPCL Super Saver →IndianOil Axis Bank vs ICICI Bank HPCL Super Saver →IDFC FIRST Power vs BPCL SBI →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 Credit Card offers better annual returns for most spend profiles.
IDFC FIRST Power Credit Card has an annual fee of ₹199 + taxes (waived on ₹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 Credit Card offers 3.5% on HPCL fuel (21 RP per ₹150, capped ₹5,000/month); 2.5% on grocery and utility; 0.33% 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 Credit Card lounge access: None. ICICI Bank HPCL Super Saver Credit Card lounge access: 1 domestic visit/quarter (on ₹75,000/quarter spend).
IDFC FIRST Power Credit Card charges 3.5% forex markup. ICICI Bank HPCL Super Saver Credit Card charges 3.5% forex markup.