IDFC first power plus UPI credit card vs SBI BPLCL octane VISA signature card, which one is better ?

[sudhanshu22]

IDFC First Power Plus UPI Card:​

• Joining Fee: ₹499
• Annual Fee: ₹499
• Rewards on Fuel: 30 rewards per ₹150 spent on HPCL fuel & LPG
• Other Benefits: Rewards on grocery, utility spends, and IDFC FIRST FASTag recharge; Happy Coins on HP Pay app1.

SBI BPCL Octane Credit Card:​

• Joining Fee: ₹1499
• Annual Fee: ₹1499
• Rewards on Fuel: 25X reward points on BPCL fuel purchases; 7.25% value back on fuel expenses at BPCL
• Other Benefits: Extra rewards on groceries, movies, dining, and departmental stores; co-branded benefits with Bharat Gas1.

The SBI BPCL Octane Credit Card offers a higher value back on fuel expenses compared to the IDFC card, which might be beneficial if you spend a lot on fuel. However, it also comes with a higher joining and annual fee. The IDFC card has a lower fee structure and offers rewards on a variety of other spends, including grocery and utility.

 

[Gorillaz]

J

Just to confirm actually my card is stuck due to some address issue. Do first payment through hp pay app quality for welcome benefit?

Well I paid safe and paid via card for the first payment and got the welcome bonus