Which card has a lower forex fee: IDFC FIRST HPCL Power Plus Credit Card or RBL Bank Platinum Choice Credit Card?

Forex markup is not fully available for both cards in the current snapshot.

Which card has a lower annual fee: IDFC FIRST HPCL Power Plus Credit Card or RBL Bank Platinum Choice 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. RBL Bank Platinum Choice Credit Card: No complimentary lounge access.

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 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.

Lounge IDFC FIRST Bank HPCL Power Plus

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 1/quarter Conditional · Domestic: 1/quarter · requires ₹20,000 spend (issuer terms apply)

Platinum Choice RBL Bank

Annual fee ₹499 Waivable at ₹50,000 spend
Forex markup Not specified
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

HPCL Power Plus

30 pts / ₹150 on HPCL (domestic) + 1% on General spend

Platinum Choice

2 pts / ₹100 on Online shopping (online only) + 1 pt / ₹100 on General spend

Pick based on what matters

2 dimensions

Start 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 Not specified), or lounge access (1/quarter vs No complimentary lounge access).

Forex markup Insufficient data

Insufficient data to compare forex

Only IDFC FIRST Bank HPCL Power Plus has comparable evidence here. Forex markup is 3.5%.

HPCL Power Plus: Limited data
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.

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
RBL Bank Platinum Choice: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	HPCL Power Plus IDFC FIRST Bank	Platinum Choice RBL Bank
Lounge Access
Domestic lounge visits 1/quarter vs No complimentary lounge access	1/quarter	No complimentary lounge access
Forex / International Use
Forex markup RBL Bank Platinum Choice unclear; IDFC FIRST HPCL Power Plus shows 3.5% (verify).	3.5%	Not specified
Fees
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend ₹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
Rewards
Points per ₹100 1% vs 1 pts	1%	1 pts
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	₹0.25
Point validity Only available for IDFC FIRST HPCL Power Plus	2 years	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.