IDFC FIRST HPCL Power+ vs IndianOil HDFC Bank Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  IDFC FIRST HPCL Power+ Credit CardIDFC First Bank7 recent changes → |  IndianOil HDFC Bank Credit CardHDFC Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 5% on utility bills | 0.64% base, up to 4.8% on groceries | |
| UPI payments (scan and pay) | 0.5% | 0.64% | |
| Online shopping | 0.5% | 0.64% | |
| Dining and food delivery | 0.5% | 0.64% | |
| Groceries | 0.5% | 4.8% | |
| Travel: flights, hotels, trains | 0.5% | 0.64% | |
| Fuel | 0.5%; 5% only at Hindustan Petroleum | Earns nothing; 4.8% only at Indian Oil | |
| Bills and recharges | 5% | 4.8% | |
| Rent | 0.5% | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college fees | 0.5% | 0.64% | |
| Wallet top-ups | 0.5% | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | Earns nothing | 0.64% | |
| Everything else | 0.5% | 0.64% | |
| Card identity | |||
| Card typesame | Fuel | Fuel | |
| Networksame | RuPay | RuPay | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹500 + GST | |
| Annual fee | ₹499 + GST | ₹500 + GST | |
| Fee waived at | ₹1,50,000 | ₹50,000 | |
| Eligibility | |||
| Min agesame | 21 years | 21 years | |
| Max age | - | 60 years | |
| Employment type | BOTH | - | |
| Min monthly salary | ₹25,000 | ₹12,000 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | - | ₹250 | |
| Lounge access | |||
| Domestic lounge visits | 4 | - | |
| International lounge visits | 0 | - | |
| Lounge condition | Spend Rs 20,000 in the previous month for domestic lounge access | - | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Redemption | |||
| Redemption fee | ₹99 | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | - | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,900
- Fee a year
- ₹0
- You keep
- ₹3,900
- Rewards a year
- ₹2,304
- Fee a year
- ₹0
- You keep
- ₹2,304
At this spend, IDFC FIRST HPCL Power+ Credit Card comes out ₹1,596 a year ahead of IndianOil HDFC Bank Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Daily drivers who fill up at HPCL
- Households with regular utility bills
- People who want a low-fee card that works on UPI
- People who fill up at IndianOil
- Turning grocery and bill spends into fuel
- A low-fee everyday card
Watch-Outs
- Only 0.5% on everyday spends outside fuel, grocery and bills
- Fuel rewards capped at Rs 600 a month
- Lounge access needs Rs 20,000 spend in the previous month
- Small monthly caps on the high rates
- Rewards are worth most as IndianOil fuel
- 3.5% markup on foreign spends
Card data sourced via CardAdvisor.in (IDFC FIRST HPCL Power+ Credit Card, IndianOil HDFC Bank Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, IDFC FIRST HPCL Power+ Credit Card or IndianOil HDFC Bank Credit Card?
IDFC FIRST HPCL Power+ Credit Card. IDFC FIRST HPCL Power+ Credit Card: ₹499; IndianOil HDFC Bank Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IDFC FIRST HPCL Power+ Credit Card has the lowest forex markup. IDFC FIRST HPCL Power+ Credit Card: 0%; IndianOil HDFC Bank Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: IndianOil HDFC Bank Credit Card 0.64%, IDFC FIRST HPCL Power+ Credit Card 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which is easier to get?
By stated minimum monthly income: IndianOil HDFC Bank Credit Card ₹12,000, IDFC FIRST HPCL Power+ Credit Card ₹25,000. Banks also weigh your credit score and existing relationship, so meeting the income is not a guarantee.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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