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IDFC HPCL First Power Plus Credit Card VS BPCL SBI 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 IDFC HPCL First Power Plus Credit Card and BPCL SBI Credit Card suit fuel-focused spenders, but they earn and cost differently. 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. BPCL SBI Credit Card costs Rs. 499 + GST and earns 4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others. IDFC HPCL First Power Plus Credit Card also brings complimentary access once per quarter on minimum monthly spends of ₹20,000, while BPCL SBI Credit Card counters with get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee. Weigh the fee against the reward rate above to see which fits your spending pattern better.

IDFC HPCL First Power Plus Credit Card
IDFC HPCL First Power Plus Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining Fee₹1,999 + GST
Joining Fee₹499 + GST
Renewal Fee₹1,999 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual fee waiver on spending ₹1.5 Lakhs in the previous year.
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees1.99% + GST
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)0.00% to 3.50% per month (0% for up to 48 days).
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus₹2500 total benefits: ₹500 fuel voucher, ₹1500 brand vouchers, ₹500 utility cashback.
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards Rate5% savings & 6X rewards on HPCL fuel; 6X on grocery/apparel; 3X on utility/Fastag; 10X on birthday.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward TypeReward Points, Cashback, Other Benefits
Reward TypeReward Points
Reward Redemption FeeNo reward redemption fee.
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on spending ₹5,000 in the previous quarter.
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel BenefitsComplimentary domestic airport lounge access & roadside assistance.
Travel BenefitsNot Applicable
Movie Benefits
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL pumps (up to ₹300/month).
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance BenefitsPersonal Accident Cover (₹50L), Air Accident (₹1Cr), Lost Card Liability (₹50K), Travel Insurance.
Insurance BenefitsNot Applicable
Cash Advance Charges₹199 + GST or 2.5% of the amount, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC HPCL First Power Plus Credit Card

BPCL SBI Credit Card

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.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

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.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

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.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

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)Apply for BPCL SBI Credit Card(opens in new tab)