Which card has a lower forex fee: CheQ AU Credit Card or IDFC FIRST HPCL Power Plus Credit Card?

CheQ AU Credit Card has lower forex markup (3.49% vs 3.5%).

Which card has a lower annual fee: CheQ AU Credit Card or IDFC FIRST HPCL Power Plus Credit Card?

Both cards have the same annual fee (₹499).

Which card offers better lounge access?

CheQ AU Credit Card: Domestic lounge details not available. IDFC FIRST HPCL Power Plus Credit Card: 1 per quarter 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 Compare 3+ cards →

AU Small Finance Bank CheQ vs IDFC FIRST Bank HPCL Power Plus Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank CheQ and the IDFC FIRST Bank HPCL Power Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.

upi AU Small Finance Bank CheQ

Quick comparison

Three core metrics

CheQ AU Small Finance Bank

Annual fee ₹499
Forex markup 3.49%
Domestic lounge Not specified

HPCL Power Plus IDFC FIRST Bank

Annual fee ₹499 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹20,000 spend (issuer terms apply)

Reward earning explained

Per card

CheQ

12 pts / ₹100 on Partner Brands (app only) (app only · 12% CheQ points (24 poin…

HPCL Power Plus

30 pts / ₹150 on HPCL (domestic) + 1% on General spend

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank CheQ: ₹499 vs IDFC FIRST Bank HPCL Power Plus: ₹499), forex markup (3.49% vs 3.5%), or lounge access (Not specified vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.49%. Forex markup is 3.5%.
Lounge access Insufficient data

Insufficient data to compare lounge access

Only IDFC FIRST Bank HPCL Power Plus has comparable evidence here. Domestic lounge access is 1 per quarter.

HPCL Power Plus: Limited data
upi AU Small Finance Bank CheQ wins

AU Small Finance Bank CheQ is better for UPI usage

AU Small Finance Bank CheQ is stronger here. Supports UPI via RuPay network.

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST HPCL Power Plus: ~₹500/month at base rate
CheQ AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	CheQ AU Small Finance Bank	HPCL Power Plus IDFC FIRST Bank
Lounge Access
Domestic lounge visits Only available for IDFC FIRST HPCL Power Plus	Not specified	1/quarter
Forex / International Use
Forex markup Source agreement differs — verify both. 3.49% vs 3.5%	3.49%	3.5%
Fees
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend Only available for IDFC FIRST HPCL Power Plus	Not specified	₹1,50,000
Interest-free period Only available for IDFC FIRST HPCL Power Plus	Not specified	Up to 45 days
Rewards
Points per ₹100 1 pts vs 1%	1 pts	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.