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IDFC HPCL First Power Plus Credit Card VS IndianOil RBL Bank XTRA 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 RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹1,500 + GST
Renewal Fee
₹499 + GST
₹1,500 + GST
Spend Based Waiver
Annual fee reversed on spends of ₹1,50,000 or more in the previous anniversary year.
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Foreign Transaction Fees
3.5% on all international transactions.
3.5%
Interest Rate (APR)
APR from 0.71% to 3.85% per month (8.5% to 46.2% per annum).
2.5% to 3.99% Per Month

Rewards & Benefits

Welcome Bonus
Worth ₹2500, including ₹500 fuel voucher/cashback and 5% cashback (up to ₹1,000) on first EMI conversion.
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
Rewards Rate
Up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail.
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Reward Type
Reward Points & Cashback
Reward Points
Reward Redemption Fee
₹99 + GST on every reward redemption request.
₹99 + GST

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% Fuel Surcharge Waiver up to ₹200 Each Month.

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 the Cash Amount or a Minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC HPCL First Power Plus Credit Card

IndianOil RBL Bank XTRA 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 RBL Bank XTRA Credit Card is a specialized fuel card offering substantial savings at IndianOil outlets. It provides a high reward rate of 7.5% (15 Fuel Points per ₹100 spent) and, with the fuel surcharge waiver, delivers an 8.5% value back. Ideal for frequent fuel purchasers, this card can help save significantly on annual fuel expenses, potentially earning points equivalent to 250 liters of free petrol.

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.

High 7.5% reward rate on fuel purchases at IndianOil stations, leading in its segment.

Substantial annual fuel savings, equivalent to 250 liters of free petrol annually.

Welcome benefits worth ₹1,500 effectively offset the joining fee for new cardholders.

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.

Limited diversified benefits, lacking lounge access, dining, or broad accelerated rewards.

Requires ₹13,400 monthly fuel spend to maximize the 2,000 monthly Fuel Points cap.

Reports of redemption issues for Fuel Points at some IndianOil outlets due to lack of support.

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.