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IDFC HPCL First Power Plus Credit Card VS IndianOil HDFC Bank 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
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹500 + GST
Renewal Fee
₹499 + GST
₹500 + GST
Spend Based Waiver
Annual fee reversed on spends of ₹1,50,000 or more in the previous anniversary year.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5% on all international transactions.
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
APR from 0.71% to 3.85% per month (8.5% to 46.2% per annum).
3.75% per month (45% per annum) on revolving credit balance.

Rewards & Benefits

Welcome Bonus
Worth ₹2500, including ₹500 fuel voucher/cashback and 5% cashback (up to ₹1,000) on first EMI conversion.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
Up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points & Cashback
Reward Points
Reward Redemption Fee
₹99 + GST on every reward redemption request.
₹99 + GST applies for reward point redemption.

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.
Not Applicable
Dining Benefits
Exciting merchant offers from popular partnered brands.
Not Applicable
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
No fuel surcharge waiver, but high reward points are offered on fuel expenses.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000.
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
₹199 + GST per transaction; 0% interest on ATM cash withdrawals for up to 45 days.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC HPCL First Power Plus Credit Card

IndianOil HDFC Bank 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 IndianOil HDFC Bank Credit Card is a co-branded RuPay credit card designed for fuel enthusiasts. It offers significant rewards in the form of Fuel Points, allowing cardholders to earn up to 50 litres of free fuel annually, especially at IndianOil outlets. Benefits include accelerated points on groceries and bill payments, easy UPI linkage, and potential fee waivers based on spending. This card provides a strong value proposition for everyday fuel and utility expenses.

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.

RuPay network enables seamless linkage to UPI applications for mobile payments.

Offers a high reward rate for fuel redemption through IXRP, valuing 1 FP at ₹0.96.

Provides potential for both joining and renewal fee waivers based on annual spending.

Opportunity to earn up to 50 litres of free fuel annually with continued usage.

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.

Initial cap on accelerated fuel rewards at IndianOil outlets limits benefits for high spenders.

Reward accrual on groceries and bill payments is capped at 100 Fuel Points per month.

Lower redemption value (1 FP = ₹0.20) for cashback or catalogue products.

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.