1% · Up to 30 pts / ₹150 on HPCL
Strong data Pairwise comparison
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IDFC FIRST Bank HPCL Power Plus vs Kotak Mahindra Bank League Platinum Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the IDFC FIRST Bank HPCL Power Plus and the Kotak Mahindra Bank League Platinum. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick HPCL Power Plus for lounge access.
Head-to-head
Three core metrics- Annual fee HPCL Power Plus ₹499 Waivable at ₹1,50,000 spendLeague Platinum ₹499 Waivable at ₹50,000 spend
- Forex markup HPCL Power Plus 3.5%League Platinum 3.5%
- Domestic lounge HPCL Power Plus: +4 lounge visits/yrHPCL Power Plus 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)League Platinum No complimentary lounge access
Reward earning explained
Per card4 pts / ₹150 · Up to 8 pts / ₹150 on Special Categories
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (IDFC FIRST Bank HPCL Power Plus: ₹499 vs Kotak Mahindra Bank League Platinum: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).
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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 Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: IDFC FIRST Bank HPCL Power Plus conservative base value ~1% per ₹100. Kotak Mahindra Bank League Platinum is not safely INR-comparable (no usable point value).
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IDFC FIRST HPCL Power Plus: ~₹500/month at base rate
- Kotak League Platinum: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | HPCL Power Plus IDFC FIRST Bank | League Platinum Kotak Mahindra 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 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 Kotak League Platinum | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee | ₹499 | ₹499 |
| Annual-fee waiver ₹1,50,000 vs ₹50,000 | ₹1,50,000 | ₹50,000 |
| Interest-free period Up to 45 days vs Up to 51 days | Up to 45 days | Up to 51 days |
| Monthly interest rate 3.85% / month vs 3.75% / month | 3.85% / month | 3.75% / month |
| Fuel benefit No surcharge waiver vs 1% surcharge waiver · ₹500–₹4,000 transactions · ₹3,500/year waiver cap | No surcharge waiver | 1% surcharge waiver · ₹500–₹4,000 transactions · ₹3,500/year waiver cap |
| Rewards | ||
| Base earn 1% vs 4 pts / ₹150 | 1% | 4 pts / ₹150 |
| Conservative base value ~1% vs Not safely INR-comparable | ~1% | Not safely INR-comparable |
| 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 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 siteKotak Mahindra Bank League Platinum
Verify with issuer , opens external site