IDFC HPCL First Power Plus Credit Card VS IndianOil HDFC Bank Credit Card
Both IDFC HPCL First Power Plus Credit Card and IndianOil HDFC Bank 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. IndianOil HDFC Bank Credit Card costs ₹500 + GST and earns 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends. IDFC HPCL First Power Plus Credit Card also brings complimentary access once per quarter on minimum monthly spends of ₹20,000, while IndianOil HDFC Bank Credit Card counters with zero Lost Card Liability protection against fraudulent transactions upon reporting card loss. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IDFC HPCL First Power Plus Credit Card
IndianOil HDFC Bank Credit Card
Who is it for?
Who is it for?
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.
Accelerated 5% Fuel Points on IndianOil outlets, with high ₹0.96 redemption value for free fuel.
Earn 5% Fuel Points on groceries and utility bill payments, making it useful for daily expenses.
RuPay network enables UPI integration, allowing convenient mobile payments via linked applications.
Joining and renewal fees are waivable based on spending, offering potential for a free-for-life card.
Benefits include 1% fuel surcharge waiver, up to 50 days interest-free credit, and zero lost card liability.
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.
Monthly caps on Fuel Points in accelerated categories limit benefits for very high spenders.
No Fuel Points on wallet loading, government, EMI, rental, gold purchases, or non-IndianOil fuel.
A ₹99 + GST fee applies for redeeming Fuel Points as cashback or for catalog products.