Which card has a lower forex fee: IDFC FIRST HPCL Power Plus Credit Card or Tata Neu Plus SBI 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 Tata Neu Plus SBI 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. Tata Neu Plus SBI Card: 1 per quarter domestic lounge.

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 SBI Card Tata Neu Plus Credit Cards – Fees, Lounge, Forex

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

upi SBI Card Tata Neu 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)

Tata Neu Plus SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous calendar quarter

Reward earning explained

Per card

HPCL Power Plus

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

Tata Neu Plus

5 NeuCoins / ₹100 on Tata Neu Select Accelerated (Up to 5% extra on select cate…

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 Tata Neu Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.
upi SBI Card Tata Neu Plus wins

SBI Card Tata Neu Plus is better for UPI usage

SBI Card Tata Neu Plus is stronger here. Supports UPI via RuPay network.

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
Tata Neu Plus SBI Card: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	HPCL Power Plus IDFC FIRST Bank	Tata Neu Plus SBI Card
Lounge Access
Domestic lounge visits	1/quarter	1/quarter
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
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 Tata Neu Plus SBI Card	Not specified	₹1
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.