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
HPCL ENERGIE BOBCARD
Rs 499Annual fee
Rs 50,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic airport lounge visits per year, limited to 1 visit per quarter.
3.5%Forex markup
Best for
fuel, hpcl, grocery, utility bills, lounge
Top rewards
fuel: 24 Reward Points / ₹150; utility bills, grocery, departmental stores: 10 Reward Points / ₹150; retail: 2 Reward Points / ₹150
| Feature | IDFC FIRST Power Credit Card | HPCL ENERGIE BOBCARD |
|---|---|---|
| Issuer | IDFC FIRST Bank | Bank of Baroda |
| Network | RuPay | RuPay |
| Joining fee | Rs 199 | Rs 499 |
| Annual fee | Rs 199 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 50,000 |
| Reward type | reward points | reward points |
| Best for | fuel, hpcl, upi, grocery, utility bills | fuel, hpcl, grocery, utility bills, lounge |
| Top reward categories | 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 | fuel: 24 Reward Points / ₹150; utility bills, grocery, departmental stores: 10 Reward Points / ₹150; retail: 2 Reward Points / ₹150 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | 2,000 joining reward points on spending Rs 5,000 or more within 60 days, Renewal fee waiver on annual spends of Rs 50,000 |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions at non-HPCL stations, EMI transactions, Cash withdrawal / cash advance transactions | fuel spends eligible for surcharge waiver do not earn reward points, HP Pay direct payment mode is not eligible for listed fuel savings, taxes and charges excluded as per BOBCARD terms |