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IDFC HPCL FIRST Power Credit CardApply Now |
Indian Oil Axis Bank RuPay Credit CardApply Now |
IDFC HPCL First Power Plus Credit CardApply Now |
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Joining Fee Rs. 199 + GST | Joining Fee Rs. 500 + GST | Joining Fee Rs. 499 + GST | |
Rewards and Benefits |
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Welcome Benefits NA | Welcome Benefits 100% cashback (up to Rs. 250) on the first fuel transaction made within 30 days of card issuance. | Welcome Benefits Up to Rs. 500 cash back on your 1st HPCL fuel transaction above Rs. 500 and up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI. | |
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 | Rewards Rate 30X Reward Points on HPCL Fuel up to 2,400 Reward Points. You can save up to 5% as rewards on grocery and utility expenses, up to 5% as a reward on IDFC FIRST FASTag recharges (max Rs. 1,000 per month), and 3X rewards on all other retail transactions. | |
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 | Movie & Dining 25% off on movie tickets up to Rs. 100 once per month and Rs. 150 discounts on all orders above Rs. 500 with Swiggy. | |
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. | Reward Redemption 1 Reward Point = Rs. 0.25 | |
Travel Complimentary roadside assistance worth Rs. 1399 | Travel N/A | Travel Complimentary domestic airport lounge access once every quarter and complimentary roadside assistance worth Rs. 1,399 four times a year. | |
Golf NA | Golf N/A | Golf NA | |
Domestic Lounge NA | Domestic Lounge N/A | Domestic Lounge 1 Complimentary Domestic Lounge Access Every Quarter (4 Each Year) | |
International Lounge NA | International Lounge N/A | International Lounge | |
Insurance Benefits Get personal accident cover worth Rs. 2 Lakhs and lost card liability cover worth Rs. 25,000 | Insurance Benefits N/A | Insurance Benefits The benefit of a personal accident loan cover of Rs. 2,00,000. | |
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 | Zero Liability Protection Card liability is covered for Rs. 25,000 on lost cards. | |
Fees & Charges |
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Renewal Fee Rs. 199 + GST | Renewal Fee Rs. 500 + GST | Renewal Fee Rs. 499 + 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 | Spend Based Waiver Rs. 1,50,000 spends in the previous year. | |
Rewards Redemption Fee Rs. 99 plus taxes | Rewards Redemption Fee Nil | Rewards Redemption Fee Rs. 99 on every redemption request | |
Foreign Currency Markup 3.5% | Foreign Currency Markup 3.5% | Foreign Currency Markup 3.5% on all international transactions | |
Interest Rates 0.75 – 3.5% per month | Interest Rates 3.6% Per Month (52.86% Per Annum) | Interest Rates 0.75% to 3.5% per month and 9% to 42% annually | |
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 | Fuel Surcharge N/A | |
Cash Advance Charges Rs. 199 per withdrawal | Cash Advance Charges 2.5% of the Total Transaction Amount (Minimum Rs. 500) | Cash Advance Charges Rs. 199 as a cash advance fee. | |
Add-on Card Fee Nil | Add-on Card Fee Nil | Add-on Card Fee Nil | |
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