IDFC HPCL First Power Plus Credit Card VS IndianOil RBL Bank XTRA Credit Card
Both IDFC HPCL First Power Plus Credit Card and IndianOil RBL Bank XTRA 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 RBL Bank XTRA Credit Card costs ₹1,500 + GST and earns 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate). IDFC HPCL First Power Plus Credit Card also brings complimentary access once per quarter on minimum monthly spends of ₹20,000, while IndianOil RBL Bank XTRA Credit Card counters with get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance. 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 RBL Bank XTRA 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.
Offers a high return of 7.5% on fuel purchases, a competitive rate among fuel cards.
Combined with the fuel surcharge waiver, total savings reach 8.5% on fuel.
Welcome benefits provide 3,000 Fuel Points, equivalent to ₹1,500 value.
Milestone rewards offer additional Fuel Points on achieving quarterly spend targets.
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.
Lacks diverse benefits like lounge access or dining discounts, unlike other cards.
Comes with a joining fee of ₹1,500 + GST, which might deter some users.
Users have reported issues with redeeming Fuel Points at some IndianOil outlets.
Excludes many common spend categories like utilities and rentals from rewards.