CheQ AU Credit Card
Rs 499Annual fee
Rs 3,00,000Fee waiver spend
0Domestic lounge
3.49%Forex markup
Best for
cheq, travel, upi, utility bills, amazon
Top rewards
Select brands on CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel bookings and utility bill payments on CheQ app: 24 CheQ Points per ₹200 spent; Other eligible shopping, food delivery, and online grocery spends: 10 CheQ Points per ₹200 spent
IDFC FIRST Power Credit Card
Rs 199Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
fuel, hpcl, upi, grocery, utility bills
Top rewards
HPCL Fuel spends: 21 Reward Points per INR 150 spent; Grocery and utility spends: 15 Reward Points per INR 150 spent; Other retail and UPI spends: 2 Reward Points per INR 150 spent
| Feature | CheQ AU Credit Card | IDFC FIRST Power Credit Card |
|---|---|---|
| Issuer | AU Small Finance Bank | IDFC FIRST Bank |
| Network | Visa, RuPay | RuPay |
| Joining fee | Rs 499 | Rs 199 |
| Annual fee | Rs 499 | Rs 199 |
| Fee waiver spend | Rs 3,00,000 | Rs 50,000 |
| Reward type | CheQ points | reward points |
| Best for | cheq, travel, upi, utility bills, amazon | fuel, hpcl, upi, grocery, utility bills |
| Top reward categories | Select brands on CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel bookings and utility bill payments on CheQ app: 24 CheQ Points per ₹200 spent; Other eligible shopping, food delivery, and online grocery spends: 10 CheQ Points per ₹200 spent | HPCL Fuel spends: 21 Reward Points per INR 150 spent; Grocery and utility spends: 15 Reward Points per INR 150 spent; Other retail and UPI spends: 2 Reward Points per INR 150 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.49% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel purchases, Education spends, Gold purchases, Gambling transactions, Insurance payments, Utility payments made outside the CheQ app | Fuel transactions at non-HPCL stations, EMI transactions, Cash withdrawal / cash advance transactions |