Find my best card →
faayda.com › compare › IDFC FIRST Power Plus vs BPCL SBI Card
Comparison · हिन्दी

IDFC FIRST Power Plus vs BPCL SBI Card

Both cards compared on real rupee returns for best fuel credit card India HPCL vs BPCL under 500 fee. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
IDFC FIRST
POWER PLUS
ASHOK KUMAR
VS
SBI
BPCL
ASHOK KUMAR
Our verdict
IDFC FIRST Power Plus Credit Card wins for most people
Card A wins with ₹5,141 annual benefit versus Card B's ₹3,971. Superior fuel rewards at HPCL and lower effective fees make it the clear winner for this spend profile.
Side-by-side comparison
IDFC FIRST Power Plus Credit Card ✓ BPCL SBI Credit Card
Annual benefit ₹5,141 ₹3,971
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1,50,000/year spend) ₹499 + taxes (waived on ₹50,000 annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% on HPCL fuel (30 RP per ₹150, capped ₹12,000/month); 5% on grocery and utility; 0.5% base; RuPay network 4.25% value back on BPCL fuel; 13X points on BPCL; 5X on groceries and movies
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter (on ₹5,000/month spend) No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Best HPCL fuel card in India for medium-to-high monthly fuel spenders BPCL fuel station regulars
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried) ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
IDFC FIRST Power Plus Credit Card
Choose Card A if you fuel exclusively at HPCL pumps. The 5% capped reward on ₹5,000 monthly fuel spend, combined with 5% on groceries and utilities, maximizes returns on your regular expenses.
BPCL SBI Credit Card
Choose Card B only if you're a dedicated BPCL fuel customer. However, this card underperforms for your mixed spend pattern, delivering ₹1,170 less annual value despite similar fee structure.
Who should get which card
Get IDFC FIRST Power Plus if you…
· HPCL fuel customers with ₹5,000+ monthly fuel spend
· Those who value 5% grocery and utility cashback
· Medium-to-high spenders who easily hit ₹1,50,000 annual spend for fee waiver
· Prefer straightforward percentage-based rewards over point systems
Get BPCL SBI if you…
· Exclusively shop at BPCL fuel stations
· Heavy movie ticket buyers wanting 5X points
· Prefer lower annual spend threshold (₹50,000) for fee waiver
· Want redemption flexibility through SBI's points ecosystem
Partner offer
RBL Bank IndianOil XTRA Credit Card
Heavy IndianOil fuel spenders who will redeem points at IndianOil pumps, not those wanting flexible cashback
Apply now →
RBL
ASHOK KUMAR

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
BPCL SBI Card Octane vs BPCL SBI →ICICI Bank HPCL Super Saver vs BPCL SBI →IDFC FIRST Power Plus vs BPCL SBI Card Octane →IndianOil Axis Bank vs BPCL SBI →Best Fuel Credit Cards →Best Credit Cards for Grocery Shopping →Best Cashback Credit Cards →
Frequently asked questions
Based on our analysis, IDFC FIRST Power Plus Credit Card offers better annual returns for most spend profiles.
IDFC FIRST Power Plus Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,50,000/year spend). BPCL SBI Credit Card has an annual fee of ₹499 + taxes (waived on ₹50,000 annual spend).
IDFC FIRST Power Plus Credit Card offers 5% on HPCL fuel (30 RP per ₹150, capped ₹12,000/month); 5% on grocery and utility; 0.5% base; RuPay network. BPCL SBI Credit Card offers 4.25% value back on BPCL fuel; 13X points on BPCL; 5X on groceries and movies.
IDFC FIRST Power Plus Credit Card lounge access: 1 domestic visit/quarter (on ₹5,000/month spend). BPCL SBI Credit Card lounge access: No.
IDFC FIRST Power Plus Credit Card charges 3.5% forex markup. BPCL SBI Credit Card charges 3.5% forex markup.