Which card has a lower forex fee: IDFC FIRST HPCL Power Plus Credit Card or CRED IndusInd Bank RuPay Credit Card?

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

Which card has a lower annual fee: IDFC FIRST HPCL Power Plus Credit Card or CRED IndusInd Bank RuPay Credit Card?

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

Which card offers better lounge access?

IDFC FIRST HPCL Power Plus Credit Card: 1 per quarter domestic lounge. CRED IndusInd Bank RuPay Credit Card: Lounge access not verified.

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 →

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.

upi IndusInd Bank CRED IndusInd Bank RuPay

Quick comparison

Three core metrics

HPCL Power Plus IDFC FIRST Bank

Annual fee ₹499 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend (issuer terms apply)

CRED IndusInd Bank RuPay IndusInd Bank

Annual fee ₹499
Forex markup 3.5%
Domestic lounge Lounge access not verified

Reward earning explained

Per card

HPCL Power Plus

1% · Up to 30 pts / ₹150 on HPCL

Limited data

Pick based on what matters

4 dimensions

Start 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).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
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.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: IDFC FIRST Bank HPCL Power Plus conservative base value ~1% per ₹100. IndusInd Bank CRED IndusInd Bank RuPay has no conservative base value for comparison.

HPCL Power Plus: Limited data
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.

IDFC FIRST Bank HPCL Power Plus

Confidence: Low (limited information available)

Verify with issuer

IndusInd Bank CRED IndusInd Bank RuPay

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
CRED IndusInd Bank RuPay: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	HPCL Power Plus IDFC FIRST Bank	CRED IndusInd Bank RuPay IndusInd Bank
Lounge Access
Domestic lounge visits 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
Annual fee	₹499	₹499
Joining fee ₹499 vs ₹0	₹499	₹0
Fee waiver spend 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
Rewards
Base cashback Only available for IDFC FIRST HPCL Power Plus	1%	Not specified

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.