IDFC FIRST Power+ vs IndianOil RBL Bank XTRA
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Power+ Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.2/10 vs 7.6/10.
| Feature | IDFC FIRST Power+ | IndianOil RBL Bank XTRA |
|---|---|---|
| CardTrail Score | 7.2/10 | 7.6/10 |
| Annual Fee | ₹499 | ₹1,500 |
| Base Reward Rate | 0.5% | 1% |
| Max Reward Rate | 3% | 8.5% |
| Forex Markup | 1.99% | 3.5% |
| Domestic Lounges | 4 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Mastercard |
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 IndianOil RBL Bank XTRA
- You can meet the fee waiver condition: Spend Rs 2.75L/year
- You want higher rewards — up to 8.5% vs 3%
- Your primary spend is: fuel, indianoil, petrol
Forex Cost Comparison
On ₹1,00,000 annual international spending: IDFC FIRST Power+ costs ₹2,348 in forex fees vs IndianOil RBL Bank XTRA 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 IndianOil RBL Bank XTRA's ₹1,500 fee at 1% rewards, spend ₹12,500/month.