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HPCL IDFC First Power+ vs SBI ELITE – Full comparison
Both cards verified with issuer
HPCL IDFC First Power+ source SBI ELITE sourceForex costs are a key difference
Key differences
Best forex SBI ELITE 1.99%
Lowest fee HPCL IDFC First Power+ ₹1,999
Best lounge SBI ELITE 6/year lounge
Spend context
At ₹50k/month spend:
- HPCL IDFC First Power+: ~₹130/month at base rate
- SBI ELITE: Base earn not clearly specified
Approximate, based on base rates (before caps).
| HPCL IDFC First Power+ IDFC | SBI ELITE SBI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits None vs 6/year | None | 6/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 1.99% | 3.5% | 1.99% |
| Fees | ||
| Annual fee ₹1,999 vs ₹4,999 | ₹1,999 | ₹4,999 |
| Joining fee ₹1,999 vs ₹4,999 | ₹1,999 | ₹4,999 |
| Fee waiver spend Only available for SBI ELITE | Not clearly specified | ₹6,00,000 |
| Rewards | ||
| Points per ₹100 1 pts vs 2 pts | 1 pts | 2 pts |
| Point cash value Only available for HPCL IDFC First Power+ | ₹0.25 | Check issuer |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.