IDFC FIRST Power+ vs. ICICI HPCL Super Saver: Which RuPay Card Should You Choose?

IDFC FIRST Power+ and ICICI HPCL Super Saver are two popular fuel credit cards in the market. While both cards offer up to 6.5% savings on HPCL fuel spends, they differ in their benefit structures. IDFC Power+ primarily offers these savings through reward points, whereas ICICI HPCL Super Saver combines reward points with fuel surcharge waiver.

Besides fuel, both cards also offer benefits on everyday spends such as groceries, departmental stores, and utility transactions, making them suitable for everyday spends. In addition to this, benefits on UPI spends make these cards a decent choice for small-value transactions as well.

Let’s compare IDFC Power+ and ICICI HPCL Super Saver to see which RuPay credit card offers better value across fuel, UPI, and other spends.

Welcome Benefits

IDFC FIRST Power+

• Rs. 500 gift voucher on making the first HPCL fuel transaction worth Rs. 500 or more within 60 days of card set-up
• 5% cashback of up to Rs. 1,000 on first EMI conversion
• Rs. 250 Shoppers Stop voucher on the 1st UPI transaction done within 15 days of card set-up (Valid till 31 Mar 2026)
• Exclusive merchant offers worth more than Rs. 1,000

ICICI HPCL Super Saver

• 2,000 bonus reward points on spending at least Rs. 5,000 within 45 days of card issuance

While both cards charge a similar joining fee, their welcome benefits differ significantly. IDFC Power+ offers welcome benefits worth over Rs. 2,750, which surpasses its joining fee of Rs. 499 by a wide margin. On the other hand, ICICI HPCL Super Saver offers 2,000 reward points, which compensate for the joining fee of Rs. 500.

Overall, IDFC Power+ clearly emerges as the winner by offering gift vouchers, bonus cashback, and exclusive merchant offers worth Rs. 2,750+, as compared to 2,000 reward points worth Rs. 500 on ICICI HPCL Super Saver.

Fuel Benefits

Both co-branded credit cards offer up to 6.5% savings on fuel spends at HPCL. However, while IDFC Power+ offers these savings via reward points, ICICI HPCL Super Saver splits it into reward points and a fuel surcharge waiver.

Despite offering similar value-back, ICICI HPCL Super Saver comes with some restrictions. It offers 4% cashback on HPCL fuel spends and 1.5% savings on payments via HP Pay app. An additional 1% savings is offered via fuel surcharge waiver, but only on spends between Rs. 400 and Rs. 4,000, which limits the overall value. On the other hand, IDFC FIRST Power+ offers 5% savings through reward points and 1.5% savings on HP Pay app payments, without any spend-based conditions.

Overall, both cards offer similar savings, but the key difference lies in the benefit structure. Consumers who prefer direct savings via cashback can opt for ICICI HPCL Super Saver, while those who can maximize reward points can choose IDFC Power+. However, with both cards, cardholders can maximize benefits only when paying via HP Pay app.

Rewards Program

Apart from fuel spends, both cards also offer accelerated rewards on travel and other everyday spends. With IDFC Power+, cardholders can earn up to 8.83% value-back on travel spends through Travel & Shop, along with 5% savings on everyday categories, including groceries, utilities, and FASTag recharges. Similarly, ICICI HPCL Super Saver offers up to 12X rewards on iShop and 5% savings on utility and departmental store spends. Besides this, both cards offer a base reward rate of 0.5% on other categories, including UPI spends, making them a reasonable choice for small-value transactions.

Overall, IDFC FIRST Power+ is a suitable choice for consumers who can maximize benefits through UPI and Travel & Shop section on the IDFC FIRST app. On the other hand, consumers who can maximize benefits through iShop can opt for ICICI HPCL Super Saver Credit Card. Besides this, both cards offer similar value-back on other day-to-day categories.

Other Benefits

Which One Should You Choose?

Choosing between IDFC FIRST Power+ and ICICI HPCL Super Saver depends on your spending preferences. When it comes to the rewards program, both cards offer similar value-back across fuel, UPI, and other spends. However, ICICI HPCL Super Saver offers direct savings through 4% cashback on HPCL fuel spends, along with reward points and a fuel surcharge waiver, making it a better fit for consumers seeking direct value-back. On the other hand, IDFC FIRST Power+ is a more suitable choice for consumers who prefer to maximize benefits through redeeming accumulated reward points.

Choose IDFC FIRST Power+ if:

• You want to save on fuel spends without strict spend-based conditions
• You prefer to maximize benefits through reward points over direct cashback
• You frequently use UPI via RuPay credit cards for everyday and small-value transactions
• You prefer to make travel spends through Travel & Shop section on the IDFC FIRST app to earn higher value-back

Choose ICICI HPCL Super Saver if:

• You prefer direct savings via cashback on HPCL fuel spends
• You regularly make payments using the HP Pay app to maximize fuel benefits
• You prefer to make travel bookings via iShop to earn accelerated reward points
• You are comfortable with a value-back structure that offers savings through both reward points and fuel surcharge waiver