1% · Up to 30 pts / ₹150 on HPCL
Strong data Pairwise comparison
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IDFC FIRST HPCL Power Plus vs INDUSIND Platinum Aura Edge
Side-by-side comparison of the IDFC FIRST Bank HPCL Power Plus and the IndusInd Bank Platinum Aura Edge. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick HPCL Power Plus for rewards and spending abroad.
Platinum Aura Edge costs ₹499 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹499/yr apart · waiver gates differHPCL Power Plus ₹499 Waivable at ₹1,50,000 spendPlatinum Aura Edge ₹0
- Forex markup Forex markup outcome: HPCL Power Plus wins. HPCL Power Plus saves ~₹1,800 per ₹1L abroadHPCL Power Plus 0%Platinum Aura Edge 1.8%
- Domestic lounge Domestic lounge outcome: insufficient data to compare. HPCL Power Plus 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)Platinum Aura Edge No complimentary lounge access
- Rewards Rewards outcome: HPCL Power Plus wins. conservative base valueHPCL Power Plus ~1%Platinum Aura Edge ~0.3%
Reward earning explained
0.5 Savings Points / ₹100
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- IDFC FIRST HPCL Power Plus: ~₹500/month at base rate
- IndusInd Bank Platinum Aura Edge: ~₹130/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | HPCL Power Plus IDFC FIRST Bank | Platinum Aura Edge IndusInd Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| International lounge visits Only available for IndusInd Bank Platinum Aura Edge | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0% vs 1.8% | 0% | 1.8% |
| Fees | ||
| Recurring annual fee ₹499 vs ₹0 | ₹499 | ₹0 |
| 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 Only available for IndusInd Bank Platinum Aura Edge | Not specified | 3.95% / month |
| Fuel benefit No surcharge waiver vs 1% surcharge waiver · Fuel rewards excluded | No surcharge waiver | 1% surcharge waiver · Fuel rewards excluded |
| Rewards | ||
| Base earn 1% vs 0.5 Savings Points / ₹100 | 1% | 0.5 Savings Points / ₹100 |
| Conservative base value ~1% vs ~0.3% | ~1% | ~0.3% |
| Earn ceiling 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend vs Not stated | 2,400 points per month at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IndusInd Bank Platinum Aura Edge | Not specified | ₹0.5 |
| Point validity Only available for IDFC FIRST HPCL Power Plus | 2 years | Not specified |
| 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 |
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 Platinum Aura Edge
Verify with issuer , opens external site