IDFC FIRST HPCL Power+ vs SBI BPCL 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 → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 5% on utility bills | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | |
| UPI payments (scan and pay) | 0.5% | Earns nothing | |
| Online shopping | 0.5% | 0.25% | |
| Dining and food delivery | 0.5% | 1.25% | |
| Groceries | 0.5% | 1.25% | |
| Travel: flights, hotels, trains | 0.5% | 0.25% | |
| Fuel | 0.5%; 5% only at Hindustan Petroleum | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | 5% | 0.25% | |
| Rent | 0.5% | Earns nothing | |
| Insurance premiums | Earns nothing | 0.25% | |
| School and college fees | 0.5% | 0.25% | |
| Wallet top-ups | 0.5% | Earns nothing | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | Earns nothing | 0.25% | |
| Everything else | 0.5% | 0.25% | |
| Card identity | |||
| Card typesame | Fuel | Fuel | |
| Network | RuPay | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining feesame | ₹499 + GST | ₹499 + GST | |
| Annual feesame | ₹499 + GST | ₹499 + GST | |
| Fee waived at | ₹1,50,000 | ₹1,00,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹25,000 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | - | ₹100 | |
| 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 UPI | Yes | No | |
| Redemption | |||
| Redemption fee | ₹99 | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | |
| 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
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, IDFC FIRST HPCL Power+ Credit Card comes out ₹2,688 a year ahead of SBI BPCL 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
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel 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
- Only about 0.25% on regular spends
- Monthly caps on fuel points
- No lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in (IDFC FIRST HPCL Power+ Credit Card, SBI BPCL 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 SBI BPCL Credit Card?
They charge the same annual fee. IDFC FIRST HPCL Power+ Credit Card: ₹499; SBI BPCL Credit Card: ₹499.
Which is better for spending abroad?
IDFC FIRST HPCL Power+ Credit Card has the lowest forex markup. IDFC FIRST HPCL Power+ Credit Card: 0%; SBI BPCL 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: IDFC FIRST HPCL Power+ Credit Card 0.5%, SBI BPCL Credit Card 0.25%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
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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