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.
Being on the RuPay network, the card can be linked to UPI applications for convenient and fast mobile payments.
Offers accelerated 5% Fuel Points on spends at IndianOil outlets, groceries, and utility bill payments.
Provides significant annual savings with the potential to earn up to 50 liters of free fuel.
Renewal fee is easily waived on annual spends of just ₹50,000, making it cost-effective.
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 capping on Fuel Points for IndianOil outlet spends limits maximum reward earning potential.
Reward points for groceries and utility bills are also capped at a low 100 Fuel Points per month.
High foreign currency markup of 3.5% makes international transactions expensive for cardholders.
The card does not offer any complimentary airport lounge access, domestic or international.