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ICICI HPCL Super Saver Credit Card vs IDFC FIRST HPCL Power+ Credit Card
On net annual value, IDFC FIRST HPCL Power+ beats ICICI HPCL Super Saver in all four spend profiles we model, from ₹1,380 a year for online shoppers to ₹23,580 for high spenders. ICICI HPCL Super Saver lists a lower income floor, ₹20,000 a month against ₹25,000. IDFC FIRST HPCL Power+ charges no forex markup against 3.5%. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | ICICI HPCL Super Saver Credit Card | IDFC FIRST HPCL Power+ Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹4,800/yr | ₹7,080/yr✓ +₹2,280/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹5,550/yr | ₹6,930/yr✓ +₹1,380/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹825/yr | ₹10,815/yr✓ +₹9,990/yr |
High spender ≈ ₹2.5L/mo across every category | −₹90/yr | ₹23,490/yr✓ +₹23,580/yr |
Not in these numbers: both include airport lounge access — real perks that can outweigh a small gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | ICICI HPCL Super Saver Credit CardICICI Reward Points | IDFC FIRST HPCL Power+ Credit CardIDFC Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.40BEST | ₹0.25BEST |
| Gift vouchers | ₹0.40BEST | ₹0.25BEST |
| Travel portal | ₹0.40BEST | — |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps. Switch the redemption strategy above to see how the picture shifts.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| ICICI HPCL Super Saver Credit Card | IDFC FIRST HPCL Power+ Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | ₹500 | ₹499 |
| Annual fee | ₹500/yr | ₹499/yr ✓ |
| Annual fee — all-in (incl. 18% GST) | ₹590 | ₹589 ✓ |
| Fee waiver at | ₹1,50,000/yr spend | ₹1,50,000/yr spend |
| Welcome benefit | ~₹500 | ~₹2,500 |
| Rewards | ||
| Best everyday reward | 5% on Utility Bills | 5% on Utility Bills |
| Fuel | 0.5% | 0.5% |
| Groceries | 5% ✓ | 0.5% |
| Insurance | 0.5% | — |
| Base rate — other spends | 0.5% | 0.5% |
| Utility Bills | 5% | 5% |
| Charges | ||
| Forex markup | 3.5% | 0% ✓ |
| Finance charge | 3.75% p.m. | — |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| concierge | — | ~₹1,399/yr · Complimentary roadside assistance programme worth ₹1,399 |
| lounge access | ~₹2,000/yr · Domestic airport lounge access on spending ₹75,000 in the previous calendar quarter (primary cardholder) | ~₹2,000/yr · 1 complimentary domestic airport lounge visit a quarter on ₹20,000 of monthly spend |
| movie ticket | ~₹2,400/yr · 25% off (up to ₹100) on movie tickets via BookMyShow and INOX, twice a month, unlocked by ₹25,000 of spend in the preceding calendar quarter; plus 24x7 road-side assistance | ~₹1,200/yr · 25% off movie tickets up to ₹100/month, on any transaction in the previous calendar month (w.e.f. 18-Jun-2026) |
| Eligibility | ||
| Min income | ₹20,000/mo ✓ | ₹25,000/mo |
| Min age | 21+ yrs | 21+ yrs |
| UPI linked | — | Yes |
| Expert rating | 4.0 / 5 | 4.3 / 5 ✓ |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the ICICI HPCL Super Saver Credit Card if you want strong rewards on utility bills. Consider the IDFC FIRST HPCL Power+ Credit Card if you spend more on utility bills and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.
ICICI HPCL Super Saver Credit Card vs IDFC FIRST HPCL Power+ Credit Card — FAQs
Which has a lower annual fee, ICICI HPCL Super Saver Credit Card or IDFC FIRST HPCL Power+ Credit Card?
As of 27 Oct 2026, IDFC FIRST HPCL Power+ has the lower annual fee: ₹499 (₹589 with 18% GST), against ₹500 (₹590 with 18% GST) on ICICI HPCL Super Saver. ICICI HPCL Super Saver and IDFC FIRST HPCL Power+ both waive the fee once you spend ₹1,50,000 in a card year.
Do ICICI HPCL Super Saver Credit Card and IDFC FIRST HPCL Power+ Credit Card offer airport lounge access?
As of 27 Oct 2026, ICICI HPCL Super Saver and IDFC FIRST HPCL Power+ both include airport lounge access, on different terms. ICICI HPCL Super Saver lists domestic airport lounge access, with no visit count stated, unlocked by ₹75,000 of spend in the previous quarter. IDFC FIRST HPCL Power+ lists 1 domestic visit a quarter at airport lounges, unlocked by ₹20,000 of spend in the previous month.
Which card has lower forex markup, ICICI HPCL Super Saver Credit Card or IDFC FIRST HPCL Power+ Credit Card?
As of 27 Oct 2026, IDFC FIRST HPCL Power+ has the lower forex markup: none at all, against 3.5% on ICICI HPCL Super Saver. With 18% GST on the markup, ₹1,00,000 spent abroad costs about ₹4,130 extra on ICICI HPCL Super Saver and nothing extra on IDFC FIRST HPCL Power+.
For a frequent traveller, is the ICICI HPCL Super Saver Credit Card or IDFC FIRST HPCL Power+ Credit Card better value?
On figures as of 27 Oct 2026, IDFC FIRST HPCL Power+ comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹10,815 against ₹825 on ICICI HPCL Super Saver, a ₹9,990 gap. At this spend ICICI HPCL Super Saver and IDFC FIRST HPCL Power+ both waive their annual fees.
For everyday spending, which returns more: ICICI HPCL Super Saver Credit Card or IDFC FIRST HPCL Power+ Credit Card?
On figures as of 27 Oct 2026, IDFC FIRST HPCL Power+ comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹7,080 against ₹4,800 on ICICI HPCL Super Saver, a ₹2,280 gap. At this spend ICICI HPCL Super Saver and IDFC FIRST HPCL Power+ both waive their annual fees.
Which is better, ICICI HPCL Super Saver Credit Card or IDFC FIRST HPCL Power+ Credit Card?
As of 27 Oct 2026, ICICI HPCL Super Saver earns 5% on utility bills at best, paid as ICICI Reward Points, and IDFC FIRST HPCL Power+ earns 5% on utility bills at best, paid as IDFC Reward Points. IDFC FIRST HPCL Power+ comes out ahead on net annual value in all four spend profiles we model. The case for ICICI HPCL Super Saver is that it lists a lower income floor, ₹20,000 a month against ₹25,000.