1% · Up to 30 pts / ₹150 on HPCL
Strong data Pairwise comparison
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IDFC FIRST Bank HPCL Power Plus vs RBL Bank Platinum Choice Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the IDFC FIRST Bank HPCL Power Plus and the RBL Bank Platinum Choice. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick HPCL Power Plus for lounge access and rewards.
Head-to-head
Three core metrics- Annual fee HPCL Power Plus ₹499 Waivable at ₹1,50,000 spendPlatinum Choice ₹499 Waivable at ₹50,000 spend
- Forex markup HPCL Power Plus 3.5%Platinum Choice 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)Platinum Choice No complimentary lounge access
Reward earning explained
Per card1 pt / ₹100 · Up to 2 pts / ₹100 on online spend
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 RBL Bank Platinum Choice: ₹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 IDFC FIRST Bank HPCL Power Plus wins IDFC FIRST Bank HPCL Power Plus is better for rewards
IDFC FIRST Bank HPCL Power Plus is stronger here. IDFC FIRST Bank HPCL Power Plus conservative base value ~1% vs RBL Bank Platinum Choice's ~0.1%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IDFC FIRST HPCL Power Plus: ~₹500/month at base rate
- RBL Bank Platinum Choice: ~₹60/month at base rate
Illustrative only, using current base rates before caps.
| Field | HPCL Power Plus IDFC FIRST Bank | Platinum Choice RBL 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 |
| 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 Only available for IDFC FIRST HPCL Power Plus | Up to 45 days | Not specified |
| Monthly interest rate 3.85% / month vs 3.99% / month | 3.85% / month | 3.99% / month |
| Fuel benefit No surcharge waiver vs Surcharge waiver available · ₹500–₹4,000 transactions · ₹100/month waiver cap | No surcharge waiver | Surcharge waiver available · ₹500–₹4,000 transactions · ₹100/month waiver cap |
| Rewards | ||
| Base earn 1% vs 1 pt / ₹100 | 1% | 1 pt / ₹100 |
| Conservative base value ~1% vs ~0.1% | ~1% | ~0.1% |
| Earn ceiling 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend vs 1,000 points cap; reset period not stated by issuer; at 2 pts / ₹100, this lane reaches the cap at ₹50,000 of eligible spend | 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend | 1,000 points cap; reset period not stated by issuer; at 2 pts / ₹100, this lane reaches the cap at ₹50,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for RBL Bank Platinum Choice | Not specified | ₹0.11 |
| 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 siteRBL Bank Platinum Choice
Verify with issuer , opens external site