Which card has a lower forex fee: IDFC FIRST HPCL Power Plus Credit Card or SBI SimplySAVE 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 SimplySAVE 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. SBI SimplySAVE Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

IDFC FIRST HPCL Power Plus Credit Card has higher base reward value (~1% vs ~0.17%).

Pairwise comparison Compare 3+ cards →

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

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

Lounge IDFC FIRST Bank HPCL Power Plus Rewards 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 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend (issuer terms apply)

SimplySAVE SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

HPCL Power Plus

1% · Up to 30 pts / ₹150 on HPCL

Limited data

SimplySAVE

1 pt / ₹150 · Up to 10 pts / ₹150 on Departmental Stores

Limited 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 SimplySAVE: ₹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 SimplySAVE's ~0.2%.

IDFC FIRST Bank HPCL Power Plus

Confidence: Low (limited information available)

Verify with issuer

SBI Card SimplySAVE

Confidence: Low (limited information available)

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
SBI SimplySAVE: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	HPCL Power Plus IDFC FIRST Bank	SimplySAVE SBI Card
Lounge Access
Domestic lounge visits 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
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend ₹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
Rewards
Base earn 1% vs 1 pt / ₹150	1%	1 pt / ₹150
Conservative base value ~1% vs ~0.2%	~1%	~0.2%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for SBI SimplySAVE	Not specified	₹0.25

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.