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ICICI Bank HPCL Platinum 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.
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Last updated: 26 July 2026

Both ICICI Bank HPCL Platinum Credit Card and IDFC HPCL First Power Plus Credit Card suit fuel-focused spenders, but they earn and cost differently. ICICI Bank HPCL Platinum Credit Card costs ₹199 + GST and earns 2.5% cashback on HPCL fuel (max Rs. 100/month); 2 Reward Points per Rs. 100 on retail spends. IDFC HPCL First Power Plus Credit Card costs ₹499 + GST and earns up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail. ICICI Bank HPCL Platinum Credit Card also brings 2 spa sessions at selected Indian airports annually through Dreamfolks membership, while IDFC HPCL First Power Plus Credit Card counters with complimentary access once per quarter on minimum monthly spends of ₹20,000. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank HPCL Platinum Credit Card
ICICI Bank HPCL Platinum Credit Card
IDFC HPCL First Power Plus Credit Card
IDFC HPCL First Power Plus Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹1,999 + GST
Renewal Fee₹199 + GST
Renewal Fee₹1,999 + GST
Spend Based WaiverAnnual renewal fee waived if you spend Rs. 50,000 or more in the preceding year.
Spend Based WaiverAnnual fee waiver on spending ₹1.5 Lakhs in the previous year.
Foreign Transaction Fees3.50% on all foreign currency spends.
Foreign Transaction Fees1.99% + GST
Interest Rate (APR)3.40% per month (equivalent to 40.8% annually).
Interest Rate (APR)0.00% to 3.50% per month (0% for up to 48 days).

Rewards & Benefits

Welcome Bonus
Welcome Bonus₹2500 total benefits: ₹500 fuel voucher, ₹1500 brand vouchers, ₹500 utility cashback.
Rewards RateEarn 2 Reward Points for every Rs. 100 spent on all retail purchases, excluding fuel.
Rewards Rate5% savings & 6X rewards on HPCL fuel; 6X on grocery/apparel; 3X on utility/Fastag; 10X on birthday.
Reward TypeReward Points
Reward TypeReward Points, Cashback, Other Benefits
Reward Redemption FeeRs. 99 on every redemption request.
Reward Redemption FeeNo reward redemption fee.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on spending ₹5,000 in the previous quarter.
International Lounge AccessAccess 2 complimentary airport lounge visits outside India every year.
International Lounge Access
Travel BenefitsComplimentary Dreamfolks membership with USD 99 annual fee waived.
Travel BenefitsComplimentary domestic airport lounge access & roadside assistance.
Movie BenefitsGet Rs. 100 off on movie ticket bookings via BookMyShow, twice a month.
Movie Benefits
Dining BenefitsMinimum 15% savings on dining bills through the ICICI Bank Culinary Treats Programme.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all HPCL pumps for transactions up to Rs. 4,000.
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL pumps (up to ₹300/month).

Security & Other

Insurance Benefits
Insurance BenefitsPersonal Accident Cover (₹50L), Air Accident (₹1Cr), Lost Card Liability (₹50K), Travel Insurance.
Cash Advance Charges2.5% of the transaction amount or Rs. 300, whichever is higher.
Cash Advance Charges₹199 + GST or 2.5% of the amount, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Platinum Credit Card

IDFC HPCL First Power Plus Credit Card

Who is it for?

The ICICI Bank HPCL Platinum Credit Card is designed for individuals who frequently spend on fuel, offering 2.5% cashback on HPCL fuel and a 1% surcharge waiver. It also provides a rewarding points system for retail spending, along with valuable movie and dining discounts. With low fees and complimentary international lounge access, it's a versatile option for everyday savings, despite being discontinued.

Who is it for?

The IDFC HPCL First Power Plus Credit Card is a premium fuel credit card designed for daily commuters and high fuel spenders. It offers maximum fuel benefits with extensive everyday rewards, providing annual savings of up to ₹18,500. Cardholders also enjoy welcome benefits worth ₹2500, complimentary domestic airport lounge access, and comprehensive insurance covers. This card is ideal for individuals seeking significant savings on fuel and a range of lifestyle benefits.

Pros

Key benefits and features.

Significant savings on fuel with 2.5% cashback and 1% surcharge waiver at HPCL pumps.

Low joining and annual fees, easily waived by spending Rs. 50,000 annually.

Valuable lifestyle benefits including movie discounts and dining savings via Culinary Treats.

Complimentary Dreamfolks membership offers international lounge access and domestic spa sessions.

Pros

Key benefits and features.

Maximum fuel benefits with extensive everyday rewards, saving up to ₹18,500 annually.

Enjoy complimentary domestic airport lounge access and roadside assistance.

Benefit from a low foreign currency markup of 1.99% and 0% interest on cash withdrawals.

Generous welcome benefits worth ₹2500 including fuel vouchers and brand vouchers.

Annual fee waiver on spending ₹1.5 Lakhs, making it cost-effective for regular users.

Cons

Key drawbacks and limitations.

The card has been discontinued, limiting new applications and future availability.

A redemption fee of Rs. 99 is charged on every reward point redemption request.

Lacks comprehensive insurance benefits, which might be a drawback for some users.

Cashback on fuel is capped at Rs. 100 per month, limiting maximum savings.

Cons

Key drawbacks and limitations.

The annual fee of ₹1,999 + GST is relatively high for a fuel-focused card.

Lounge access is limited to domestic airports and requires a minimum spend.

Reward points on fuel are capped, limiting benefits for very high spenders.

Welcome benefits require specific transaction types and spend thresholds to unlock.

The card lacks international lounge access, which is a drawback for global travelers.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for IDFC HPCL First Power Plus Credit Card(opens in new tab)