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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.

Features

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
₹499 + GST
Rs. 499 + GST
Renewal Fee
₹499 + GST
Rs. 499 + GST, from the second year onwards.
Spend Based Waiver
Annual fee reversed on spends of ₹1,50,000 or more in the previous anniversary year.
Renewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees
3.5% on all international transactions.
3.5% of the transaction amount.
Interest Rate (APR)
APR from 0.71% to 3.85% per month (8.5% to 46.2% per annum).
Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus
Worth ₹2500, including ₹500 fuel voucher/cashback and 5% cashback (up to ₹1,000) on first EMI conversion.
Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards Rate
Up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail.
4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward Type
Reward Points & Cashback
Reward Points
Reward Redemption Fee
₹99 + GST on every reward redemption request.
Rs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Complimentary access once per quarter on minimum monthly spends of ₹20,000.
Not Applicable
International Lounge Access
Not Applicable
Travel Benefits
Up to 8.83% savings on hotel bookings & 5.50% on flight bookings via FIRST Rewards Gallery.
Not Applicable
Movie Benefits
25% off on movie tickets up to ₹100, once every month.
Earn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits
Exciting merchant offers from popular partnered brands.
Earn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
No fuel surcharge waiver, but high reward points are offered on fuel expenses.
1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance Benefits
Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000.
Not Applicable
Cash Advance Charges
₹199 + GST per transaction; 0% interest on ATM cash withdrawals for up to 45 days.
2.5% 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 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.

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.

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.

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.

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.

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.