Which card has a lower forex fee: HDFC UPI RuPay Credit Card or IDFC FIRST HPCL Power Plus Credit Card?

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

Which card has a lower annual fee: HDFC UPI RuPay Credit Card or IDFC FIRST HPCL Power Plus Credit Card?

HDFC UPI RuPay Credit Card has a lower annual fee (₹99 vs ₹499).

Which card offers better lounge access?

HDFC UPI RuPay Credit Card: No complimentary lounge access. 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 →

HDFC Bank UPI RuPay vs IDFC FIRST Bank HPCL Power Plus Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank UPI RuPay and the IDFC FIRST Bank HPCL Power Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge IDFC FIRST Bank HPCL Power Plus upi HDFC Bank UPI RuPay

Quick comparison

Three core metrics

UPI RuPay HDFC Bank

Annual fee ₹99 Waivable at ₹25,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

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

UPI RuPay

3% on Dining Grocery Supermarket (domestic) + 1% on General spend

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 (HDFC Bank UPI RuPay: ₹99 vs IDFC FIRST Bank HPCL Power Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access IDFC FIRST Bank HPCL Power Plus wins

IDFC FIRST Bank HPCL Power Plus is better for lounge access

IDFC FIRST Bank HPCL Power Plus is stronger here. Domestic lounge access is 1 per quarter.
upi HDFC Bank UPI RuPay wins

HDFC Bank UPI RuPay is better for UPI usage

HDFC Bank UPI RuPay is stronger here. Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

UPI RuPay: ~₹500/month at base rate
IDFC FIRST HPCL Power Plus: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	UPI RuPay HDFC Bank	HPCL Power Plus IDFC FIRST Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 1/quarter	No complimentary lounge access	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹99 vs ₹499	₹99	₹499
Joining fee ₹99 vs ₹499	₹99	₹499
Fee waiver spend ₹25,000 vs ₹1,50,000	₹25,000	₹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 cashback	1%	1%

Notes

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