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

HPCL IDFC First Power+ Credit Card has a lower annual fee (₹1,999 vs ₹3,000).

Which card offers better lounge access?

Axis Bank SELECT Credit Card: 8/year domestic lounge (2 per quarter). HPCL IDFC First Power+ Credit Card: No domestic lounge.

Which card has a higher base reward rate?

Axis Bank SELECT Credit Card has higher base reward value (~1% vs ~0.25%).

Pairwise comparison Add another card →

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

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

Lounge Axis Bank SELECT

Quick comparison

Three core metrics

SELECT Axis Bank

Annual fee ₹3,000 Waivable at ₹6,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter)

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

SELECT

5 pts / ₹100 on General spend

Limited data

HPCL IDFC First Power+

1% on General spend

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank SELECT: ₹3,000 vs IDFC FIRST Bank HPCL IDFC First Power+: ₹1,999), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

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

Axis Bank SELECT is better for lounge access

Axis Bank SELECT is stronger here. Domestic lounge access is 8/year (2 per quarter).

SELECT: Limited data HPCL IDFC First Power+: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank SELECT has comparable evidence here. Estimated base reward value is ~1% on base spend.

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

Both cards are similar for UPI usage

Mastercard network does not support UPI payments. Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SELECT: ~₹500/month at base rate
HPCL IDFC First Power+: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	SELECT Axis Bank	HPCL IDFC First Power+ IDFC FIRST Bank
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs No lounge access	8/year (2 per quarter)	No lounge access
International lounge visits Only available for SELECT	2/year	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹3,000 vs ₹1,999	₹3,000	₹1,999
Joining fee ₹3,000 vs ₹1,999	₹3,000	₹1,999
Fee waiver spend Only available for SELECT	₹6,00,000	Not specified
Rewards
Points per ₹100 5 pts vs 1 pts	5 pts	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.