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faayda.com › compare › IDFC FIRST Power Plus vs BPCL SBI Octane
Comparison · हिन्दी

IDFC FIRST Power Plus vs BPCL SBI Octane

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

Last updated: · Based on current card terms
IDFC FIRST
POWER PLUS
ASHOK KUMAR
VS
SBI
BPCL CARD OCTA
ASHOK KUMAR
Our verdict
BPCL SBI Card Octane wins for most people
BPCL SBI Octane wins with ₹7,111 annual benefit versus IDFC FIRST Power Plus's ₹5,741, delivering ₹1,370 more value despite its higher fee. Choose BPCL SBI Octane for superior fuel rewards and dining cashback.
Side-by-side comparison
IDFC FIRST Power Plus Credit Card BPCL SBI Card Octane ✓
Annual benefit ₹5,741 ₹7,111
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) ₹1,499 + taxes (waived on ₹2,00,000/year 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 points per ₹150, on up to ₹12,000 of fuel a statement cycle); 5% on grocery and utility together on up to ₹2,000 of spend a cycle; 0.5% on other spends; 1 point = ₹0.25; RuPay network 7.25% value back on BPCL fuel (6.25% as reward points + 1% surcharge waiver); 2.5% on dining, grocery, movies; 1 RP/₹100 on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit a quarter (on ₹20,000 monthly spend) 4 domestic visits/year (1 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0% 3.5%
Best for Best HPCL fuel card in India for medium-to-high monthly fuel spenders Regular BPCL fuel users who want the highest fuel cashback in India
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried) ₹25,000/month (salaried)
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
IDFC FIRST Power Plus suits those who want a lower annual fee (₹499) and don't mind slightly lower rewards. It's ideal if you value simplicity over maximizing every rupee of cashback.
BPCL SBI Card Octane
BPCL SBI Octane excels for fuel-focused spenders fueling at BPCL pumps regularly. Its 7.25% fuel value back and 2.5% dining cashback justify the ₹1,499 fee for your ₹18,000 monthly spend.
Who should get which card
Get IDFC FIRST Power Plus if you…
· Lower annual fee of ₹499 (easy to waive at ₹1.5L spend)
· Simpler reward structure with uncapped 5% fuel rewards
· Better for HPCL fuel pump users, not BPCL
Get BPCL SBI Card Octane if you…
· Highest fuel cashback at 7.25% value back on BPCL fuel
· 2.5% dining cashback complements your ₹2,000 monthly dining spend
· ₹1,370 higher annual benefit justifies the premium fee
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

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Related guides
RBL Bank IndianOil XTRA vs BPCL SBI Card Octane →BPCL SBI Card Octane vs BPCL SBI →SC Super Value Titanium vs IDFC FIRST Power Plus →IDFC FIRST Power Plus vs ICICI Bank HPCL Super Saver →Best Fuel Credit Cards →Best Dining Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, BPCL SBI Card Octane 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 Card Octane has an annual fee of ₹1,499 + taxes (waived on ₹2,00,000/year spend).
IDFC FIRST Power Plus Credit Card offers 5% on HPCL fuel (30 points per ₹150, on up to ₹12,000 of fuel a statement cycle); 5% on grocery and utility together on up to ₹2,000 of spend a cycle; 0.5% on other spends; 1 point = ₹0.25; RuPay network. BPCL SBI Card Octane offers 7.25% value back on BPCL fuel (6.25% as reward points + 1% surcharge waiver); 2.5% on dining, grocery, movies; 1 RP/₹100 on others.
IDFC FIRST Power Plus Credit Card lounge access: 1 domestic visit a quarter (on ₹20,000 monthly spend). BPCL SBI Card Octane lounge access: 4 domestic visits/year (1 per quarter).
IDFC FIRST Power Plus Credit Card charges 0% forex markup. BPCL SBI Card Octane charges 3.5% forex markup.