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Comparison · हिन्दी

IDFC FIRST Power vs BPCL SBI Card

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

Last updated: August 2026 · Based on current card terms
IDFC FIRST
POWER
ASHOK KUMAR
VS
SBI
BPCL
ASHOK KUMAR
Our verdict
BPCL SBI Credit Card wins for most people
Card B wins with ₹3,461 annual benefit vs Card B's ₹2,839, delivering ₹622 more value. Choose Card B if you use BPCL fuel pumps regularly; Card A suits HPCL-only users prioritizing lower fees.
Side-by-side comparison
IDFC FIRST Power Credit Card BPCL SBI Credit Card ✓
Annual benefit ₹2,839 ₹3,461
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹199 + taxes (waived on ₹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 → 3.5% on HPCL fuel (21 RP per ₹150, capped ₹5,000/month); 2.5% on grocery and utility; 0.33% 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 → None 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 Budget HPCL fuel card with grocery and utility rewards at the lowest annual fee BPCL fuel station regulars
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/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 → 650+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
IDFC FIRST Power Credit Card
Card A wins when you exclusively fuel at HPCL pumps and want minimal annual fees. Its ₹199 fee (waived at ₹50K spend) and 3.5% HPCL rewards suit budget-conscious users avoiding BPCL stations.
BPCL SBI Credit Card
Card B excels for BPCL fuel station regulars who value premium rewards. Its 4.25% fuel value back and 13X BPCL points offset the ₹499 fee through higher returns on your ₹4,000 monthly fuel spend.
Who should get which card
Get IDFC FIRST Power if you…
· HPCL fuel pump regular with ₹50K+ annual spend
· Prioritize lowest annual fees
· Value grocery and utility bonuses equally
Get BPCL SBI if you…
· Exclusive or primary BPCL fuel user
· High monthly fuel spend (₹4,000+)
· Want maximum rewards on fuel purchases
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
BPCL SBI Card Octane vs BPCL SBI →ICICI Bank HPCL Super Saver vs BPCL SBI →IndianOil Axis Bank vs BPCL SBI →IDFC FIRST Power vs ICICI Bank HPCL Super Saver →Best Fuel Credit Cards →Best Credit Cards for Grocery Shopping →Best Cashback Credit Cards →
Frequently asked questions
Based on our analysis, BPCL SBI Credit Card offers better annual returns for most spend profiles.
IDFC FIRST Power Credit Card has an annual fee of ₹199 + taxes (waived on ₹50,000/year spend). BPCL SBI Credit Card has an annual fee of ₹499 + taxes (waived on ₹50,000 annual spend).
IDFC FIRST Power Credit Card offers 3.5% on HPCL fuel (21 RP per ₹150, capped ₹5,000/month); 2.5% on grocery and utility; 0.33% 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 Credit Card lounge access: None. BPCL SBI Credit Card lounge access: No.
IDFC FIRST Power Credit Card charges 3.5% forex markup. BPCL SBI Credit Card charges 3.5% forex markup.