IDFC First Power Credit Card vs AXIS Bank IOCL Rupay Credit Card

* Welcome benefits worth Rs. 1,400
* Annual Fee will be waived off on spends of Rs. 50,000 or more in a year
* Save up to Rs. 7,000 annually with the credit card, enough to buy you 65+ litres of fuel
* You’ll get rewarded for every UPI transaction
* Enjoy low and dynamic Interest rates starting at 9% per annum
* Until due date, 0% Interest on ATM Cash Withdrawals
* Up to 5% savings on fuel expenses of up to Rs. 5,000 every month: 2.5% savings as Rewards on HPCL fuel and LPG &
 1.5% savings as Happy Coins through HP Pay App &
 1% savings as fuel surcharge waiver
* 2.5% savings as Rewards on Grocery and Utility expenses of up to Rs. 4,000 every month
* 2.5% savings as Rewards on IDFC FIRST FASTag recharge of up to Rs. 2,000 every month
* Avail 2X Rewards on other retail transactions
* Rs. 250 cashback on 1st HPCL fuel transaction of Rs. 250 or above
* 5% cashback (up to Rs. 1,000) on the transaction value of 1st EMI conversion
* On Swiggy, Rs. 150 Discount on order above Rs. 500
* On ZoomCar Rentals get Rs. 500 Discount
* EMIfy purchases and balances and enjoy convenience of payment
* Extend Add-on card to your pillion rider & boost savings without any extra charges
* Refer friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)

*As a welcome benefit, get 100% Cashback up to Rs 250 on all fuel transactions in the first 30 days of issuing of the card

* Waiver of 1% fuel surcharge on fuel spends between Rs. 200 to Rs. 5000

* Get 10% instant discount for movie tickets booked through BookMyShow website or app

* An annual fee waiver applicable if the cardholder spends over Rs. 50,000 in a year

* Users can get loyalty points in the form of 1 EDGE REWARD point on every Rs. 100 spent with the card

* Domestic airport lounge access

Pros

* Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar
* Complimentary Roadside Assistance worth Rs. 1,399
* Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000

Cons

* No airport lounge access
* No gold privileges

Pros

* Earn 20 Reward Points per Rs 100 spent at any IOCL outlet in India

* Get 10% instant discount for movie tickets booked through BookMyShow website or app

* Gain reward points worth 1% (5 Reward Points) for every Rs. 100 spent on online shopping, groceries, utility payments, and 1 reward point for every Rs. 100 spent on all other expenses

Cons

* No International Airport Lounge access

* No Golf benefits

* No travel miles benefits