IDFC FIRST Power+ vs Indian Oil HDFC
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 7.2/10 — your spending pattern decides the winner.
| Feature | IDFC FIRST Power+ | Indian Oil HDFC |
|---|---|---|
| CardTrail Score | 7.2/10 | 7.2/10 |
| Annual Fee | ₹499 | ₹500 |
| Base Reward Rate | 0.5% | 0.67% |
| Max Reward Rate | 3% | 5% |
| Forex Markup | 1.99% | 3.5% |
| Domestic Lounges | 4 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
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
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: fuel, cashback
When to Choose Indian Oil HDFC
- You can meet the fee waiver condition: Spend ₹50K/year
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: fuel, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: IDFC FIRST Power+ costs ₹2,348 in forex fees vs Indian Oil HDFC at ₹4,130. You save ₹1,782/year with IDFC FIRST Power+.
Annual Fee Value Analysis
To break even on IDFC FIRST Power+'s ₹499 fee at 0.5% rewards, spend ₹8,317/month.
To break even on Indian Oil HDFC's ₹500 fee at 0.67% rewards, spend ₹6,219/month.