1% · Up to 3% on Dining Grocery Supermarket
Strong data Pairwise comparison
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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.
The short answer
VerdictPick UPI RuPay for upi.
Pick HPCL Power Plus for lounge access.
Head-to-head
Three core metrics- Annual fee UPI RuPay saves ₹400/yrUPI RuPay ₹99 Waivable at ₹25,000 spendHPCL Power Plus ₹499 Waivable at ₹1,50,000 spend
- Forex markup UPI RuPay 3.5%HPCL Power Plus 3.5%
- Domestic lounge HPCL Power Plus: +4 lounge visits/yrUPI RuPay No complimentary lounge accessHPCL Power Plus 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)
Reward earning explained
Per card1% · Up to 30 pts / ₹150 on HPCL
Strong dataPick based on what matters
4 dimensionsStart 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 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 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.
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Rewards Tie Both cards are similar for rewards
HDFC Bank UPI RuPay conservative base value ~1% vs IDFC FIRST Bank HPCL Power Plus's ~1%. IDFC FIRST Bank HPCL Power Plus conservative base value ~1% vs HDFC Bank UPI RuPay's ~1%.
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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.
All fields
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.
| Field | UPI RuPay HDFC Bank | HPCL Power Plus IDFC FIRST Bank |
|---|---|---|
| Insurance — Personal accident cover Only available for IDFC FIRST HPCL Power Plus | Not specified | ₹2 lakh |
| Insurance — Lost card liability cover Only available for IDFC FIRST HPCL Power Plus | Not specified | ₹25,000 |
| Insurance — Underwriter Only available for IDFC FIRST HPCL Power Plus | Not specified | Insured by New India Assurance |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 4/year (1 per quarter) | No complimentary lounge access | 4/year (1 per quarter) |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹99 vs ₹499 | ₹99 | ₹499 |
| Annual-fee waiver ₹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 |
| Monthly interest rate 3.75% / month vs 3.85% / month | 3.75% / month | 3.85% / month |
| Late-payment charge Only available for UPI RuPay | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit | No surcharge waiver | No surcharge waiver |
| Rewards | ||
| Base cashback | 1% | 1% |
| Earn ceiling 500 CashPoints per month vs 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend | 500 CashPoints per month | 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend |
Notes
- IDFC FIRST HPCL Power Plus Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HDFC Bank UPI RuPay
Verify with issuer , opens external siteIDFC FIRST Bank HPCL Power Plus
Verify with issuer , opens external site