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HPCL ENERGIE BOBCARD Credit Card VS IDFC HPCL First Power Plus Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

HPCL ENERGIE BOBCARD Credit Card
HPCL ENERGIE BOBCARD Credit Card
IDFC HPCL First Power Plus Credit Card
IDFC HPCL First Power Plus Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹499 + GST
Renewal Fee
₹499 + GST
₹499 + GST
Spend Based Waiver
Renewal fee waived on annual spends of ₹50,000 or more in the preceding anniversary year.
Annual fee reversed on spends of ₹1,50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% on all foreign transactions.
3.5% on all international transactions.
Interest Rate (APR)
3.75% per month (45% annually) on outstanding amounts.
APR from 0.71% to 3.85% per month (8.5% to 46.2% per annum).

Rewards & Benefits

Welcome Bonus
Receive 500 joining bonus reward points upon spending ₹5,000 or more within 60 days.
Worth ₹2500, including ₹500 fuel voucher/cashback and 5% cashback (up to ₹1,000) on first EMI conversion.
Rewards Rate
Up to 5% savings on fuel (24 RP per ₹150); 10 RP per ₹150 on utility/departmental stores.
Up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
Nil
₹99 + GST on every reward redemption request.

Travel & Lifestyle

Domestic Lounge Access
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Complimentary access once per quarter on minimum monthly spends of ₹20,000.
International Lounge Access
Not Applicable
Travel Benefits
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Up to 8.83% savings on hotel bookings & 5.50% on flight bookings via FIRST Rewards Gallery.
Movie Benefits
Get 25% off up to ₹100 on minimum 2 tickets per transaction at partner platforms, twice a month.
25% off on movie tickets up to ₹100, once every month.
Dining Benefits
Not Applicable
Exciting merchant offers from popular partnered brands.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
No fuel surcharge waiver, but high reward points are offered on fuel expenses.

Security & Other

Insurance Benefits
Not Applicable
Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000.
Cash Advance Charges
2.5% of the cash advance amount or ₹500, whichever is higher.
₹199 + GST per transaction; 0% interest on ATM cash withdrawals for up to 45 days.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

IDFC HPCL First Power Plus Credit Card

Who is it for?

The HPCL ENERGIE BOBCARD Credit Card is a co-branded card offering significant savings, especially on fuel purchases at HPCL outlets, LPG, and via the HP Pay App. It provides up to 5% savings on fuel, complemented by accelerated rewards on utility and departmental store spends. Cardholders also enjoy welcome benefits, complimentary domestic lounge access, and movie discounts. With a nominal fee and waiver options, it's an excellent choice for commuters and everyday spenders focused on fuel economy and lifestyle perks.

Who is it for?

The FIRST Power+ Credit Card, a collaboration between IDFC FIRST Bank and HPCL, is a mid-range card designed for daily commuters and vehicle owners. It offers significant savings, including up to 6.5% on fuel, 5% on groceries, utilities, and FASTag recharges. Cardholders also enjoy welcome benefits worth ₹2500, complimentary domestic lounge access, and never-expiring reward points, making it ideal for maximizing everyday savings and lifestyle privileges.

Pros

Key benefits and features.

Substantial savings of up to 5% on fuel purchases, especially at HPCL stations.

Accelerated reward points on essential spending categories like utilities and departmental stores.

Complimentary domestic lounge access offers comfort for frequent travelers within India.

Discounts on movie tickets and optional BOGO offers enhance entertainment value.

Nominal annual fee with an easy waiver option based on annual spending targets.

Pros

Key benefits and features.

Enjoy up to 6.5% savings on fuel, 5% on groceries, and FASTag recharges.

Receive welcome benefits worth ₹2500, including a fuel voucher and EMI cashback.

Benefit from complimentary domestic lounge access and roadside assistance services.

Reward points never expire, providing flexibility and long-term value for users.

Annual fee is easily waived on achieving a reasonable spend of ₹1,50,000 annually.

Cons

Key drawbacks and limitations.

Fuel surcharge waiver capped at ₹100 per statement cycle, limiting overall savings.

Domestic lounge access will require a minimum spend of ₹20,000 per quarter from 2025.

No international lounge access or specific travel benefits beyond domestic lounges.

High foreign currency markup of 3.5% makes international transactions expensive.

Cash advance charges of 2.5% or ₹500 are relatively high for urgent cash needs.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is charged for every reward point redemption request.

The card does not offer a fuel surcharge waiver, despite its focus on fuel spends.

A high foreign currency markup of 3.5% makes international transactions expensive.

Domestic lounge access requires a minimum monthly spend of ₹20,000 to be eligible.

No international lounge access or golf privileges are provided with this credit card.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.