HPCL ICICI Coral vs IDFC FIRST Power+
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HPCL ICICI Coral Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.3/10 vs 7.2/10.
| Feature | HPCL ICICI Coral | IDFC FIRST Power+ |
|---|---|---|
| CardTrail Score | 7.3/10 | 7.2/10 |
| Annual Fee | ₹199 | ₹499 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 4% | 3% |
| Forex Markup | 3.5% | 1.99% |
| Domestic Lounges | 4 | 4 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose HPCL ICICI Coral
- You can meet the fee waiver condition: Spend ₹50K/year
- You want higher rewards — up to 4% vs 3%
- Your primary spend is: fuel, beginner
When to Choose IDFC FIRST Power+
- You can meet the fee waiver condition: Spend ₹1L/year
- You travel internationally — saves ₹1,510/year on ₹1L forex spend
- Your primary spend is: fuel, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: HPCL ICICI Coral costs ₹4,130 in forex fees vs IDFC FIRST Power+ at ₹2,348. You save ₹1,782/year with IDFC FIRST Power+.
Annual Fee Value Analysis
To break even on HPCL ICICI Coral's ₹199 fee at 0.5% rewards, spend ₹3,317/month.
To break even on IDFC FIRST Power+'s ₹499 fee at 0.5% rewards, spend ₹8,317/month.