HDFC Bank Bharat Credit Card vs IDFC First Power Credit Card
HDFC Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹500
Max Reward5%
IDFC FIRST BankScoreVery Good
Annual Fee₹499
Max Reward6.5%
IDFC First Power Credit Card leads overall with a CardCheck Score of 79/100 (+5 pts over HDFC Bank Bharat Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs IDFCReward Power
35%HDFC34/35
IDFC34/35
Tie (34/35)
Fee Value & ROI
25%HDFC24/25
IDFC22/25
HDFC Wins
Lounge & Travel
20%HDFC4/20
IDFC11/20
IDFC Wins
Forex & Access
20%HDFC12/20
IDFC12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 74
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 24/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- IDFC FIRST Bank
- Network
- RuPay
- Visa
- Card type
- Regular
- Co-branded
- Best for
- Rural and semi-urban users — 5% cashback on fuel, groceries, utilities
- fuel savings
03—Fees
- Joining fee
- ₹500
- ₹499Best
- Annual fee
- ₹500
- ₹499Best
- Fee waiver
- ₹50,000Best
- ₹1,50,000
- Interest-free days
- 50Best
- 45
04—Interest
- APR (min)
- 42%
- 8.5%Best
- APR (max)
- 42%Best
- 46.2%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 5%Best
- 0.67%
- Max rate
- 5%
- 6.5%Best
- Monthly cap
- ₹300
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 1Best
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹10,000
- ₹25,000
- Min CIBIL
- 650Best
- 750
- Invite only
Rows won
05of 11
06of 11
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 74 | 79Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 24/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | IDFC FIRST Bank |
| Network | RuPay | Visa |
| Card type | Regular | Co-branded |
| Best for | Rural and semi-urban users — 5% cashback on fuel, groceries, utilities | fuel savings |
03—Fees Differences highlighted | ||
| Joining fee | ₹500 | ₹499Best |
| Annual fee | ₹500 | ₹499Best |
| Fee waiver | ₹50,000Best | ₹1,50,000 |
| Interest-free days | 50Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 8.5%Best |
| APR (max) | 42%Best | 46.2% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 5%Best | 0.67% |
| Max rate | 5% | 6.5%Best |
| Monthly cap | ₹300 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 1Best |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹10,000 | ₹25,000 |
| Min CIBIL | 650Best | 750 |
| Invite only | ||
| Rows won | 05of 11 | 06of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Bank Bharat Credit Card | IDFC First Power Credit Card |
|---|---|---|
| CardCheck Score | 74/100Very Good | 79/100Very Good |
| Annual Fee | ₹500 | ₹499 |
| Fee Waiver Spend | ₹50,000/yr | ₹1.5L/yr |
| Max Reward Potential | 5% | 6.5% |
| Domestic Lounge Access | None | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Bank Bharat Credit Card if:
Your spending centers around rural and semi-urban users — 5% cashback on fuel, groceries, utilities and you want direct partner rewards with HDFC Bank.
Choose IDFC First Power Credit Card if:
Your spending aligns with fuel savings and you prioritize IDFC FIRST Bank's redemption benefits.
Frequently asked questions: HDFC Bank Bharat Credit Card vs IDFC First Power Credit Card
- Which is better: HDFC Bank Bharat Credit Card or IDFC First Power Credit Card?
- IDFC First Power Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 74/100 (Very Good) for HDFC Bank Bharat Credit Card (a lead of +5 points). IDFC First Power Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- HDFC Bank Bharat Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹50,000 for renewal fee waiver. In comparison, IDFC First Power Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹1.5 Lakh.
- How do the reward rates and cashback compare between HDFC Bank Bharat Credit Card and IDFC First Power Credit Card?
- HDFC Bank Bharat Credit Card offers a base reward rate of 5% and up to 5% on accelerated partner categories. Meanwhile, IDFC First Power Credit Card offers a base rate of 0.67% and up to 6.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Bank Bharat Credit Card or IDFC First Power Credit Card?
- HDFC Bank Bharat Credit Card provides no complimentary domestic lounge access. On the other hand, IDFC First Power Credit Card provides 1 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- HDFC Bank Bharat Credit Card levies a foreign currency markup fee of 3.5%, while IDFC First Power Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).