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Comparison · हिन्दी

SC Super Value Titanium vs IDFC FIRST Power Plus

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

Last updated: August 2026 · Based on current card terms
STANDARD C
SC SUPER VALUE
ASHOK KUMAR
VS
IDFC FIRST
POWER PLUS
ASHOK KUMAR
Our verdict
IDFC FIRST Power Plus Credit Card wins for most people
Card B wins with ₹5,741 annual benefit versus Card A's ₹4,165, delivering ₹1,576 more value. Its superior fuel rewards and lower fee make it the clear choice for your ₹14,000 monthly spend profile.
Side-by-side comparison
SC Super Value Titanium Credit Card IDFC FIRST Power Plus Credit Card ✓
Annual benefit ₹4,165 ₹5,741
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹750 + taxes (waived on ₹90,000/year spend) ₹499 + 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% cashback on utility bills via SC Billpay (capped ₹100/month); 5% on fuel; 5% on telecom bills; 1 RP per ₹150 on others 5% on HPCL fuel (30 RP per ₹150, capped ₹12,000/month); 5% on grocery and utility; 0.5% base; RuPay network
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 ₹5,000/month 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 Utility, fuel and telecom bills at a low annual fee Best HPCL fuel card in India for medium-to-high monthly fuel spenders
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/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
SC Super Value Titanium Credit Card
Choose Card A if you prioritize utility bill optimization through SC Billpay and want to keep annual spend under ₹90,000. It's also better if you're a telecom-heavy spender looking for bonus categories beyond fuel.
IDFC FIRST Power Plus Credit Card
Choose Card B if you spend ₹5,000+ monthly on fuel and shop at HPCL pumps. Its 5% fuel cashback, grocery rewards, and lower fee threshold make it ideal for balanced household spenders.
Who should get which card
Get SC Super Value Titanium if you…
· Utility bill focus with capped 5% cashback via SC Billpay
· Telecom bills earn bonus 5% rewards
· Fee waiver at ₹90,000 annual spend (easily achievable)
Get IDFC FIRST Power Plus if you…
· ₹1,576 higher annual benefit for your exact spend profile
· Superior HPCL fuel rewards (5% cashback on ₹5,000/month fuel)
· 5% on groceries + utilities covers multiple expense categories
· Lower fee waiver threshold at ₹1,50,000 annual spend
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
SC Super Value Titanium vs Standard Chartered Rewards →IDFC FIRST Power Plus vs BPCL SBI Card Octane →IDFC FIRST Power Plus vs ICICI Bank HPCL Super Saver →IDFC FIRST Power Plus 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 Plus Credit Card offers better annual returns for most spend profiles.
SC Super Value Titanium Credit Card has an annual fee of ₹750 + taxes (waived on ₹90,000/year spend). IDFC FIRST Power Plus Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,50,000/year spend).
SC Super Value Titanium Credit Card offers 5% cashback on utility bills via SC Billpay (capped ₹100/month); 5% on fuel; 5% on telecom bills; 1 RP per ₹150 on others. 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.
SC Super Value Titanium Credit Card lounge access: None. IDFC FIRST Power Plus Credit Card lounge access: 1 domestic visit/quarter (on ₹5,000/month spend).
SC Super Value Titanium Credit Card charges 3.5% forex markup. IDFC FIRST Power Plus Credit Card charges 3.5% forex markup.