Which card has a lower forex fee: Axis Bank Privilege Credit Card or HPCL IDFC First Power+ Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank Privilege Credit Card or HPCL IDFC First Power+ Credit Card?

Axis Bank Privilege Credit Card has a lower annual fee (₹1,500 vs ₹1,999).

Which card offers better lounge access?

Axis Bank Privilege Credit Card: 8/year domestic lounge. HPCL IDFC First Power+ Credit Card: No domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

Axis Bank Privilege vs IDFC FIRST Bank HPCL IDFC First Power+ Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Privilege and the IDFC FIRST Bank HPCL IDFC First Power+. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge Axis Bank Privilege

Quick comparison

Three core metrics

Privilege Axis Bank

Annual fee ₹1,500 Waivable at ₹5,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year

HPCL IDFC First Power+ IDFC FIRST Bank

Annual fee ₹1,999
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Privilege

Base rewards on regular spend

HPCL IDFC First Power+

1% on General spend

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Privilege: ₹1,500 vs IDFC FIRST Bank HPCL IDFC First Power+: ₹1,999), forex markup (3.5% vs 3.5%), or lounge access (8/year vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Privilege: Limited data HPCL IDFC First Power+: Limited data
Lounge access Axis Bank Privilege wins

Axis Bank Privilege is better for lounge access

Axis Bank Privilege is stronger here. Domestic lounge access is 8/year.

Privilege: Limited data HPCL IDFC First Power+: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

HPCL IDFC First Power+: ~₹130/month at base rate
Privilege: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Privilege Axis Bank	HPCL IDFC First Power+ IDFC FIRST Bank
Lounge Access
Domestic lounge visits 8/year vs No lounge access	8/year	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,500 vs ₹1,999	₹1,500	₹1,999
Joining fee ₹1,500 vs ₹1,999	₹1,500	₹1,999
Fee waiver spend Only available for Privilege	₹5,00,000	Not specified
Rewards
Points per ₹100 Only available for HPCL IDFC First Power+	Not specified	1 pts
Point cash value ₹0.2 vs ₹0.25	₹0.2	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.