- Annual fee ₹1,000 Waivable at ₹30,000 spend
- Forex markup 3.5%
- Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Pairwise comparison
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Axis Bank IndianOil Axis Bank Premium RuPay vs IDFC FIRST Bank HPCL Power Plus Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the IDFC FIRST Bank HPCL Power Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.
Lounge Axis Bank IndianOil Axis Bank Premium RuPay Rewards IDFC FIRST Bank HPCL Power Plus upi Axis Bank IndianOil Axis Bank Premium RuPay
Quick comparison
Three core metrics- Annual fee ₹499 Waivable at ₹1,50,000 spend
- Forex markup 3.5%
- Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend (issuer terms apply)
Reward earning explained
Per card1 EDGE Miles / ₹150 · Up to 6 EDGE Miles / ₹150 on IndianOil
Limited data1% · Up to 30 pts / ₹150 on HPCL
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndianOil Axis Bank Premium RuPay: ₹1,000 vs IDFC FIRST Bank HPCL Power Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Axis Bank IndianOil Axis Bank Premium RuPay wins Axis Bank IndianOil Axis Bank Premium RuPay is better for lounge access
Axis Bank IndianOil Axis Bank Premium RuPay is stronger here. Domestic lounge access is 2 per quarter.
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Rewards IDFC FIRST Bank HPCL Power Plus wins IDFC FIRST Bank HPCL Power Plus is better for rewards
IDFC FIRST Bank HPCL Power Plus is stronger here. IDFC FIRST Bank HPCL Power Plus conservative base value ~1% vs Axis Bank IndianOil Axis Bank Premium RuPay's ~0.1%.
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upi Axis Bank IndianOil Axis Bank Premium RuPay wins Axis Bank IndianOil Axis Bank Premium RuPay is better for UPI usage
Axis Bank IndianOil Axis Bank Premium RuPay is stronger here. Supports UPI via RuPay network.
Axis Bank IndianOil Axis Bank Premium RuPay
Confidence: Low (limited information available)
Verify with issuer , opens external siteIDFC FIRST Bank HPCL Power Plus
Confidence: Low (limited information available)
Verify with issuer , opens external siteAll fields
Example usage at this monthly spend
At ₹50k/month spend:
- IDFC FIRST HPCL Power Plus: ~₹500/month at base rate
- IndianOil Axis Bank Premium: ~₹70/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | HPCL Power Plus IDFC FIRST Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs 4/year (1 per quarter) | 8/year (2 per quarter) | 4/year (1 per quarter) |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹1,000 vs ₹499 | ₹1,000 | ₹499 |
| Joining fee ₹1,000 vs ₹499 | ₹1,000 | ₹499 |
| Fee waiver spend ₹30,000 vs ₹1,50,000 | ₹30,000 | ₹1,50,000 |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| Rewards | ||
| Base earn 1 EDGE Miles / ₹150 vs 1% | 1 EDGE Miles / ₹150 | 1% |
| Conservative base value ~0.1% vs ~1% | ~0.1% | ~1% |
| Point validity Only available for IDFC FIRST HPCL Power Plus | Not specified | 2 years |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.