IDFC FIRST HPCL Power+ Credit Card vs IndianOil HDFC Bank Credit Card
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| IDFC FIRST HPCL Power+ Credit Card | IndianOil HDFC Bank Credit Card | |
|---|---|---|
| Issuer | IDFC | HDFC |
| Annual fee | ₹499/yr ✓ | ₹500/yr |
| Joining fee | ₹499 | ₹500 |
| Best reward | 5% on Fuel | 5% on Fuel |
| Forex markup | 3.5% | 3.5% |
| Lounge access | No | No |
| Welcome benefit | — | ~₹250 |
| Min income | ₹25,000/mo | ₹15,000/mo |
| Expert rating | 4.3 / 5 | 4.3 / 5 |
Which should you pick?
Choose the IDFC FIRST HPCL Power+ Credit Card if you want strong rewards on fuel at a lower annual fee. Consider the IndianOil HDFC Bank Credit Card if you spend more on fuel. Your actual best card depends on how you spend — run your numbers below.
IDFC FIRST HPCL Power+ Credit Card vs IndianOil HDFC Bank Credit Card — FAQs
Which has a lower annual fee, IDFC FIRST HPCL Power+ Credit Card or IndianOil HDFC Bank Credit Card?
The IDFC FIRST HPCL Power+ Credit Card has the lower annual fee at ₹499/yr, versus ₹500/yr for the IndianOil HDFC Bank Credit Card.
Do IDFC FIRST HPCL Power+ Credit Card and IndianOil HDFC Bank Credit Card offer airport lounge access?
Neither card lists complimentary airport lounge access.
Which card has lower forex markup, IDFC FIRST HPCL Power+ Credit Card or IndianOil HDFC Bank Credit Card?
Both cards charge the same 3.5% forex markup on international spends.
Which is better, IDFC FIRST HPCL Power+ Credit Card or IndianOil HDFC Bank Credit Card?
Neither card is universally better — it depends on how you spend. The IDFC FIRST HPCL Power+ Credit Card rewards fuel at 5%, while the IndianOil HDFC Bank Credit Card rewards fuel at 5%. Compare their fees and benefits above, or run your actual spending through our recommender for a personalised pick.