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IDFC FIRST HPCL Power+ Credit Card vs IDFC FIRST Power Credit Card
On rewards minus fees, IDFC FIRST HPCL Power+ beats IDFC FIRST Power in all four spend profiles we model, from ₹2,244 a year for everyday spenders to ₹9,264 for high spenders. IDFC FIRST Power costs ₹199 a year against ₹499. IDFC FIRST HPCL Power+ includes spend-linked airport lounge access. Figures as of 26 Sep 2026.
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Who comes out ahead — by how you spend
Estimated net annual value — rewards earned minus the annual fee — for four typical spend profiles. Portal-only accelerators and lounge access are excluded, so this is the money you actually keep.
| Spender | IDFC FIRST HPCL Power+ Credit Card | IDFC FIRST Power Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹5,088/yr✓ +₹2,244/yr | ₹2,844/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹5,748/yr✓ +₹2,376/yr | ₹3,372/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹10,440/yr✓ +₹4,152/yr | ₹6,288/yr |
High spender ≈ ₹2.5L/mo across every category | ₹23,100/yr✓ +₹9,264/yr | ₹13,836/yr |
Not in these numbers: IDFC FIRST HPCL Power+ Credit Card adds airport lounge access — real perks that can outweigh a small rewards gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | IDFC FIRST HPCL Power+ Credit CardIDFC Reward Points | IDFC FIRST Power Credit CardIDFC Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.25BEST | ₹0.25BEST |
| Gift vouchers | ₹0.25BEST | ₹0.25BEST |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| IDFC FIRST HPCL Power+ Credit Card | IDFC FIRST Power Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | ₹499 | ₹199 |
| Annual fee | ₹499/yr | ₹199/yr ✓ |
| Annual fee — all-in (incl. 18% GST) | ₹589 | ₹235 ✓ |
| Fee waiver at | ₹1,50,000/yr spend | ₹50,000/yr spend |
| Welcome benefit | ~₹2,500 | ~₹2,250 |
| Rewards | ||
| Best everyday reward | 5% on Utility Bills ✓ | 2.5% on Utility Bills |
| Fuel | 0.5% ✓ | 0.33% |
| Base rate — other spends | 0.5% ✓ | 0.33% |
| Utility Bills | 5% ✓ | 2.5% |
| Charges | ||
| Forex markup | 0% | 0% |
| Finance charge | — | — |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| concierge | ~₹1,399/yr · Complimentary roadside assistance programme worth ₹1,399 | ~₹1,399/yr · Complimentary roadside assistance programme worth ₹1,399 |
| insurance | — | ~₹800/yr · Personal accident cover of ₹2,00,000 and lost-card liability cover of ₹25,000 |
| lounge access | ~₹2,000/yr · 1 complimentary domestic airport lounge visit a quarter on ₹20,000 of monthly spend | — |
| movie ticket | ~₹1,200/yr · 25% off movie tickets up to ₹100/month, on any transaction in the previous calendar month (w.e.f. 18-Jun-2026) | — |
| Eligibility | ||
| Min income | ₹25,000/mo | ₹25,000/mo |
| Min age | 21+ yrs | 21+ yrs |
| UPI linked | Yes | Yes |
| Expert rating | 4.3 / 5 ✓ | 4.1 / 5 |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the IDFC FIRST HPCL Power+ Credit Card if you want strong rewards on utility bills plus airport lounge access. Consider the IDFC FIRST Power Credit Card if you spend more on utility bills and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.
IDFC FIRST HPCL Power+ Credit Card vs IDFC FIRST Power Credit Card — FAQs
Which has a lower annual fee, IDFC FIRST HPCL Power+ Credit Card or IDFC FIRST Power Credit Card?
As of 26 Sep 2026, IDFC FIRST Power has the lower annual fee: ₹199 (₹235 with 18% GST), against ₹499 (₹589 with 18% GST) on IDFC FIRST HPCL Power+. IDFC FIRST HPCL Power+ waives it after ₹1,50,000 of spend in a card year, IDFC FIRST Power after ₹50,000.
Do IDFC FIRST HPCL Power+ Credit Card and IDFC FIRST Power Credit Card offer airport lounge access?
As of 26 Sep 2026, only IDFC FIRST HPCL Power+ includes airport lounge access: it lists 1 domestic visit a quarter at airport lounges, unlocked by ₹20,000 of spend in the previous month. For spending abroad, neither IDFC FIRST HPCL Power+ nor IDFC FIRST Power adds a forex markup.
Which card has lower forex markup, IDFC FIRST HPCL Power+ Credit Card or IDFC FIRST Power Credit Card?
As of 26 Sep 2026, neither IDFC FIRST HPCL Power+ nor IDFC FIRST Power charges a forex markup, so ₹1,00,000 of foreign-currency spend costs nothing extra in conversion charges on either card.
For a frequent traveller, is the IDFC FIRST HPCL Power+ Credit Card or IDFC FIRST Power Credit Card better value?
On figures as of 26 Sep 2026, IDFC FIRST HPCL Power+ comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards minus the annual fee) of ₹10,440 against ₹6,288 on IDFC FIRST Power, a ₹4,152 gap. That figure leaves out airport lounge access, which only IDFC FIRST HPCL Power+ includes. At this spend IDFC FIRST HPCL Power+ and IDFC FIRST Power both waive their annual fees.
For everyday spending, which returns more: IDFC FIRST HPCL Power+ Credit Card or IDFC FIRST Power Credit Card?
On figures as of 26 Sep 2026, IDFC FIRST HPCL Power+ comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards minus the annual fee) of ₹5,088 against ₹2,844 on IDFC FIRST Power, a ₹2,244 gap. At this spend IDFC FIRST HPCL Power+ and IDFC FIRST Power both waive their annual fees.
Which is better, IDFC FIRST HPCL Power+ Credit Card or IDFC FIRST Power Credit Card?
As of 26 Sep 2026, IDFC FIRST HPCL Power+ earns 5% on utility bills at best, paid as IDFC Reward Points, and IDFC FIRST Power earns 2.5% on utility bills outside merchant or portal bonuses, paid as IDFC Reward Points. IDFC FIRST HPCL Power+ keeps more money after fees in all four spend profiles we model. The case for IDFC FIRST Power is that it costs ₹199 a year against ₹499.