← COMPARE
IndianOil HDFC Bank Credit Card vs IDFC FIRST HPCL Power+ Credit Card
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| IndianOil HDFC Bank Credit Card | IDFC FIRST HPCL Power+ Credit Card | |
|---|---|---|
| Issuer | HDFC | IDFC |
| Annual fee | ₹500/yr | ₹499/yr ✓ |
| Joining fee | ₹500 | ₹499 |
| Best reward | 5% on Fuel | 5% on Fuel |
| Forex markup | 3.5% | 3.5% |
| Lounge access | No | No |
| Welcome benefit | ~₹250 | — |
| Min income | ₹15,000/mo | ₹25,000/mo |
| Expert rating | 4.3 / 5 | 4.3 / 5 |
Which should you pick?
Choose the IndianOil HDFC Bank Credit Card if you want strong rewards on fuel. Consider the IDFC FIRST HPCL Power+ Credit Card if you spend more on fuel and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.