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IDFC HPCL FIRST Power Credit Card Apply Now	Indian Oil Axis Bank RuPay Credit Card Apply Now
Joining Fee Rs. 199 + GST	Joining Fee Rs. 500 + GST
Rewards and Benefits
Welcome Benefits NA	Welcome Benefits 100% cashback (up to Rs. 250) on the first fuel transaction made within 30 days of card issuance.
Rewards Rate Save up to 5% on your fuel spends. Save 2.5% as rewards on your utility and grocery expenses. 2.5% as rewards on your IDFC FASTag recharge. 2x rewards on all other retail spends.	Rewards Rate 20 Reward Points per Rs. 100 on fuel transactions at IOCL stations, 5 Reward Points per Rs. 100 on online shopping and 1 EDGE Point per Rs. 100 on all other spends with the card
Movie & Dining Get an exclusive discount of Rs. 150 on Swiggy orders of Rs. 500 or above.	Movie & Dining 10% instant discount on movie ticket bookings on BookMyShow
Reward Redemption You can pay for both online and offline transactions at select merchants instantly with your Reward Points. Redeem reward points for membership and gift vouchers of your favorite brands or for products on IDFC Bank’s Reward Redemption Catalog portal.	Reward Redemption Reward Points redeemable for shopping/travel vouchers and products (from the given product catalog) on Axis Bank EDGE Rewards Portal.
Travel Complimentary roadside assistance worth Rs. 1399	Travel N/A
Golf NA	Golf N/A
Domestic Lounge NA	Domestic Lounge N/A
International Lounge NA	International Lounge N/A
Insurance Benefits Get personal accident cover worth Rs. 2 Lakhs and lost card liability cover worth Rs. 25,000	Insurance Benefits N/A
Zero Liability Protection Cardholder is not liable for fraudulent transactions if he reports it to the bank in a timely manner	Zero Liability Protection Cardholder shall not be liable for any fraudulent transaction made with the card post reporting the loss of card to the bank
Fees & Charges

Renewal Fee Rs. 199 + GST	Renewal Fee Rs. 500 + GST
Spend Based Waiver Renewal fee is waived off on spending Rs. 50,000 in the card anniversary year	Spend Based Waiver Renewal Fee Waived on Annual Spending of Rs. 3.5 Lakh
Rewards Redemption Fee Rs. 99 plus taxes	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5%	Foreign Currency Markup 3.5%
Interest Rates 0.75 – 3.5% per month	Interest Rates 3.6% Per Month (52.86% Per Annum)
Fuel Surcharge 1% fuel surcharge waiver capped at a maximum of Rs. 100 per month	Fuel Surcharge 1% Fuel Surcharge Waived for Transactions Between Rs. 400 and Rs. 4,000
Cash Advance Charges Rs. 199 per withdrawal	Cash Advance Charges 2.5% of the Total Transaction Amount (Minimum Rs. 500)
Add-on Card Fee Nil	Add-on Card Fee Nil

IDFC HPCL FIRST Power Credit Card

Indian Oil Axis Bank RuPay Credit Card

Rewards and Benefits

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