Samsung Axis Bank Infinite Credit Card vs IDFC HPCL First Power Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• The Samsung Axis Bank Infinite Credit Card ⓘ wins for everyday spend thanks to a higher base reward rate of 1.5% versus 0.75% on the IDFC HPCL First Power Credit Card ⓘ.
• For fuel and grocery spend, the IDFC HPCL First Power Credit Card ⓘ offers category bonuses of 5%, making it better for those segments.
• The Samsung Axis Bank Infinite Credit Card ⓘ provides domestic and international lounge access, which the IDFC HPCL First Power Credit Card ⓘ does not.
• The Samsung card has no joining or annual fee but requires Rs 3 lakh annual spend for fee waiver; the IDFC card has a Rs 199 fee with easier waiver at Rs 50,000 annual spend.
• Choose the Samsung Axis Bank Infinite Credit Card ⓘ if you want premium rewards, lounge access, and can meet a high spend threshold; pick the IDFC HPCL First Power Credit Card ⓘ if you seek fuel and grocery rewards with low fee and lower waiver bar.

Side by Side

Rewards Compared

When you spend Rs 10,000 on the Samsung Axis Bank Infinite Credit Card ⓘ, you earn Rs 150 back at the base rate of 1.5%. This rises dramatically to Rs 1,000 when spending online due to a 10% category rate, making it highly rewarding for e-commerce purchases. Dining spend returns Rs 300, reflecting a 3% reward rate. These elevated category rates mean that savvy spenders who transact heavily online or dine frequently can maximize returns far beyond the base level.

In contrast, the IDFC HPCL First Power Credit Card ⓘ offers Rs 75 back per Rs 10,000 at its 0.75% base rate, exactly half of Samsung’s base return. However, it shines in specific categories like fuel, grocery, and utilities, offering 5% back or Rs 500 per Rs 10,000 spent. This makes the IDFC card a compelling choice for those whose spending is concentrated in these everyday essential categories rather than broad online or dining spends.

Fees Compared

The Samsung Axis Bank Infinite Credit Card ⓘ has no joining or annual fee, but you must spend Rs 3 lakh annually (or Rs 25,000 monthly) to retain this waiver. This high threshold targets premium users who can justify large spending to avoid fees. For those who fall short, the fees may be charged, though none are explicitly stated here.

Meanwhile, the IDFC HPCL First Power Credit Card ⓘ charges Rs 199 for both joining and annual fees, but waives these if you spend Rs 50,000 annually or about Rs 4,167 monthly. This low waiver limit makes it easier to avoid fees with modest usage. The break-even spend for the base reward to cover the Rs 199 annual fee is Rs 26,533, indicating that even the base rewards can cover the cost with moderate spend.

Which One Should You Pick

Pick the Samsung Axis Bank Infinite Credit Card ⓘ if you are a high spender who values premium benefits like lounge access and strong rewards on online and dining spends. This card is also suitable for frequent travelers seeking lounge privileges and cashback vouchers. However, skip this card if you cannot meet the Rs 3 lakh annual spend for fee waiver or if you do not value lounges and premium rewards.

Choose the IDFC HPCL First Power Credit Card ⓘ if your spend is focused on fuel, grocery, and utilities, and you want a low-cost card with decent category rewards. It is ideal as a first credit card or for users who want straightforward cashback without high thresholds. Avoid this card if you need lounge access or if your spending patterns favor online retail or dining, where its rewards lag.

In a direct head-to-head, the Samsung Axis Bank Infinite Credit Card ⓘ is generally better for premium users and diversified spenders, while the IDFC HPCL First Power Credit Card ⓘ suits budget-conscious everyday spenders focused on essentials.

What to Check Before You Apply

• Confirm the exact caps or limits on category rewards, as some high rates may have monthly or annual maximums.
• Understand the redemption value and process for points to ensure your rewards translate into real savings.
• Calculate your monthly spend relative to fee waiver thresholds to avoid unexpected fees.
• Remember both cards apply a 3.5% forex markup on foreign currency spend, so assess your international use accordingly.
• Check if the lounge access on the Samsung card is available at your preferred airports and if guest access is included.

FAQ