Which card has a lower forex fee: IDFC FIRST HPCL Power Plus Credit Card or SBI BPCL 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 SBI BPCL Credit Card?

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

Which card offers better lounge access?

IDFC FIRST HPCL Power Plus Credit Card: 1 per quarter domestic lounge. SBI BPCL Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

IDFC FIRST HPCL Power Plus Credit Card has higher conservative base reward value (~1% vs ~0.25%).

Pairwise comparison Compare 3+ cards →

IDFC FIRST Bank HPCL Power Plus vs SBI Card BPCL Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the IDFC FIRST Bank HPCL Power Plus and the SBI Card BPCL. Verify fees, lounge access, forex markup, and base rewards before you apply.

HPCL Power Plus

BPCL

The short answer

Verdict

Pick 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 spend

BPCL ₹499 Waivable at ₹1,00,000 spend
Forex markup

HPCL Power Plus 3.5%

BPCL 3.5%
Domestic lounge

HPCL Power Plus 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

BPCL No complimentary lounge access

HPCL Power Plus: +4 lounge visits/yr

Reward earning explained

Per card

HPCL Power Plus

1% · Up to 30 pts / ₹150 on HPCL

Strong data

BPCL

1 pt / ₹100 · Up to 13 pts / ₹100 on BPCL

Strong data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank HPCL Power Plus: ₹499 vs SBI Card BPCL: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
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.
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 SBI Card BPCL's ~0.3%.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST HPCL Power Plus: ~₹500/month at base rate
SBI BPCL: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	HPCL Power Plus IDFC FIRST Bank	BPCL SBI Card
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 ₹1,00,000	₹1,50,000	₹1,00,000
Interest-free period Up to 45 days vs Up to 50 days	Up to 45 days	Up to 50 days
Monthly interest rate 3.85% / month vs 3.75% / month	3.85% / month	3.75% / month
Fuel benefit Only available for IDFC FIRST HPCL Power Plus	No surcharge waiver	Not specified
Rewards
Base earn 1% vs 1 pt / ₹100	1%	1 pt / ₹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 1,300 points per month; at 13 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend	2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend	1,300 points per month; at 13 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend
Point value (headline channel) Fuel redemption value at the pump or issuer fuel channel — not a universal cashback rate. Only available for SBI BPCL	Not specified	₹0.25
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

SBI Card BPCL

Verify with issuer