IDFC FIRST Millennia Credit Card vs IDFC FIRST Bank HPCL FIRST Power+ Credit Card
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | IDFC FIRST Millennia Credit Card | IDFC FIRST Bank HPCL FIRST Power+ Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Joining fee | Free | ₹499 |
| Annual fee | Free | ₹499 |
| Fee waiver | Lifetime free: no joining or annual fee, no spend condition | Annual fee reversed on spends of ₹1,50,000 or more in the previous anniversary year; joining fee must be paid (plus GST) before card dispatch |
| Everyday spends (value back) | 0.38% | 0.5% |
| Online shopping (value back) | 0.38% | – |
| Fuel (value back) | 0% | 5% |
| Groceries (value back) | 0.38% | 5% |
| UPI (value back) | – | 0.5% |
| Travel (value back) | 1.25% | – |
| Bills and utilities (value back) | 0.13% | 5% |
| Dining and food delivery (value back) | 1.25% | 0.5% |
| Rewards in short | Dining, travel and birthday spends earn 1.25% back in reward points, most other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on fuel, EMI or cash, and none on international spends from 26 October 2026. | HPCL fuel earns 5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries, utilities and FASTag recharge 5%, other spends 0.5%; category caps apply, plus a free domestic lounge visit each quarter. |
| Works on UPI | No | Yes (RuPay) |
| Airport lounge | No airport lounge visits; 4 railway lounge visits a quarter, unlocked for the next month by spending ₹20,000 in a calendar month. | 4 domestic visits a year (1 a quarter); spend ₹20,000 in a calendar month to use the benefit the next month. |
| Forex markup | 0% | 0% |
| Fuel surcharge waiver | 1% on fuel transactions of ₹200–₹5,000, up to ₹200 per statement cycle | No surcharge waiver; HPCL fuel earns accelerated reward points instead |
| Card network | Not published by the bank | Not published by the bank |
| Minimum income (salaried) | ₹25,000 a month | ₹25,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the IDFC FIRST Millennia Credit Card if
you rarely buy fuel and spend more on dining, travel or abroad
Lifetime free
Pick the IDFC FIRST Bank HPCL FIRST Power+ Credit Card if
you fill up at HPCL pumps or want a RuPay card for UPI
₹499 joining, ₹499 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Is Power+ worth its fee over Millennia?
If you buy fuel at HPCL, usually yes. Power+ pays 5% on HPCL fuel but doesn't refund the 1% fuel surcharge; Millennia pays nothing on fuel but refunds the surcharge on ₹200 to ₹5,000 transactions, up to ₹200 a statement cycle. That leaves about 4% in Power+'s favour, so about ₹1,040 of HPCL fuel a month covers its ₹499 fee, or less if you also use its 5% on groceries and utilities. At other pumps Power+ earns nothing and refunds no surcharge, so Millennia is better there.
Can I use Power+ or Millennia on UPI?
Only Power+, which works on UPI as a RuPay card. It earns 0.5% (3 points per ₹150) on UPI spends, with no cap. IDFC FIRST doesn't list Millennia as a RuPay card, so it can't be linked to UPI.
Does Millennia or Power+ have lounge access?
Power+ gives 1 domestic airport lounge visit a quarter, used in the month after you spend ₹20,000 in a calendar month. Millennia has no airport lounge access, only 4 railway lounge visits a quarter on the same ₹20,000 rule.
What do I need to qualify?
Both ask for ₹3 lakh a year in income (about ₹25,000 a month). Power+ also asks for age 21 or over (25 if self-employed) and a healthy credit score. Millennia needs income proof; self-employed applicants can use an ITR.
Full details: IDFC FIRST Millennia Credit Card · IDFC FIRST Bank HPCL FIRST Power+ Credit Card · find the card that fits your spending
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.