1% · Up to 30 pts / ₹150 on HPCL
Strong data Pairwise comparison
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IDFC FIRST Bank HPCL Power Plus vs IndusInd Bank CRED IndusInd Bank RuPay Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the IDFC FIRST Bank HPCL Power Plus and the IndusInd Bank CRED IndusInd Bank RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick CRED IndusInd Bank RuPay for upi.
Head-to-head
Three core metrics- Annual fee HPCL Power Plus ₹499 Waivable at ₹1,50,000 spendCRED IndusInd Bank RuPay ₹499
- Forex markup HPCL Power Plus 3.5%CRED IndusInd Bank RuPay 3.5%
- Domestic lounge HPCL Power Plus 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)CRED IndusInd Bank RuPay Lounge access not verified
Reward earning explained
Per card1% · 5% on eligible cred, uPI, and online
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (IDFC FIRST Bank HPCL Power Plus: ₹499 vs IndusInd Bank CRED IndusInd Bank RuPay: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs Lounge access not verified).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter. No verified lounge entitlement or explicit no-lounge evidence on file.
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Rewards Tie Both cards are similar for rewards
IDFC FIRST Bank HPCL Power Plus conservative base value ~1% vs IndusInd Bank CRED IndusInd Bank RuPay's ~1%. IndusInd Bank CRED IndusInd Bank RuPay conservative base value ~1% vs IDFC FIRST Bank HPCL Power Plus's ~1%.
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upi IndusInd Bank CRED IndusInd Bank RuPay wins IndusInd Bank CRED IndusInd Bank RuPay is better for UPI usage
IndusInd Bank CRED IndusInd Bank RuPay is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IDFC FIRST HPCL Power Plus: ~₹500/month at base rate
- CRED IndusInd Bank RuPay: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | HPCL Power Plus IDFC FIRST Bank | CRED IndusInd Bank RuPay IndusInd Bank |
|---|---|---|
| Insurance — Personal accident cover Only available for IDFC FIRST HPCL Power Plus | ₹2 lakh | Not specified |
| Insurance — Lost card liability cover Only available for IDFC FIRST HPCL Power Plus | ₹25,000 | Not specified |
| Insurance — Underwriter Only available for IDFC FIRST HPCL Power Plus | Insured by New India Assurance | Not specified |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for IDFC FIRST HPCL Power Plus | 4/year (1 per quarter) | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee | ₹499 | ₹499 |
| Annual-fee waiver Only available for IDFC FIRST HPCL Power Plus | ₹1,50,000 | Not specified |
| Interest-free period Only available for IDFC FIRST HPCL Power Plus | Up to 45 days | Not specified |
| Monthly interest rate 3.85% / month vs 3.95% / month | 3.85% / month | 3.95% / month |
| Fuel benefit No surcharge waiver vs 1% surcharge waiver · ₹500–₹5,000 transactions | No surcharge waiver | 1% surcharge waiver · ₹500–₹5,000 transactions |
| Rewards | ||
| Base earn | 1% | 1% |
| Conservative base value | ~1% | ~1% |
| Earn ceiling 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend vs 5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping | 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend | 5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping |
| Point validity Only available for IDFC FIRST HPCL Power Plus | 2 years | Not specified |
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.
IDFC FIRST Bank HPCL Power Plus
Verify with issuer , opens external siteIndusInd Bank CRED IndusInd Bank RuPay
Verify with issuer , opens external site