1% · Up to 30 pts / ₹150 on HPCL
Strong data Pairwise comparison
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IDFC FIRST Bank HPCL Power Plus vs SBI Card PhonePe SBI PURPLE Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the IDFC FIRST Bank HPCL Power Plus and the SBI Card PhonePe SBI PURPLE. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick HPCL Power Plus for lounge access.
Pick PhonePe SBI PURPLE for upi.
Head-to-head
Three core metrics- Annual fee HPCL Power Plus ₹499 Waivable at ₹1,50,000 spendPhonePe SBI PURPLE ₹499 Waivable at ₹1,00,000 spend
- Forex markup HPCL Power Plus 3.5%PhonePe SBI PURPLE 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)PhonePe SBI PURPLE No complimentary lounge access
Reward earning explained
Per card1 pt / ₹100
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (IDFC FIRST Bank HPCL Power Plus: ₹499 vs SBI Card PhonePe SBI PURPLE: ₹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 Tie Both cards are similar for rewards
IDFC FIRST Bank HPCL Power Plus conservative base value ~1% vs SBI Card PhonePe SBI PURPLE's ~1%. SBI Card PhonePe SBI PURPLE conservative base value ~1% vs IDFC FIRST Bank HPCL Power Plus's ~1%.
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upi SBI Card PhonePe SBI PURPLE wins SBI Card PhonePe SBI PURPLE is better for UPI usage
SBI Card PhonePe SBI PURPLE is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IDFC FIRST HPCL Power Plus: ~₹500/month at base rate
- PhonePe SBI PURPLE: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | HPCL Power Plus IDFC FIRST Bank | PhonePe SBI PURPLE 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 No surcharge waiver vs 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded | No surcharge waiver | 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 1% vs 1 pt / ₹100 | 1% | 1 pt / ₹100 |
| Conservative base value | ~1% | ~1% |
| Earn ceiling 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend vs 750 points per month; at 3 pts / ₹100, this lane reaches the cap at ₹25,000 of eligible spend | 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend | 750 points per month; at 3 pts / ₹100, this lane reaches the cap at ₹25,000 of eligible spend |
| 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 siteSBI Card PhonePe SBI PURPLE
Verify with issuer , opens external site