FIRST Power+ vs IndianOil RBL Bank

Reviewed by Chandan Kumar Dash

FIRST Power+ has the lower annual fee (₹499 against ₹500). FIRST Power+ waives its fee on ₹1,50,000 of spend a year; IndianOil RBL Bank waives its fee on ₹1,75,000 of spend a year. For spends abroad, FIRST Power+ charges the lower forex markup (0% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

Feature	FIRST Power+IDFC FIRST4 wins · ahead	IndianOil RBL BankRBL1 win
Annual fee	Lower₹499	₹500
Joining fee	₹499	LowerFree
Fee waiver	LowerWaived on ₹1,50,000 spend a year	Waived on ₹1,75,000 spend a year
Rewards	Up to 6.5% savings on fuel; 5% as rewards on grocery, utility and FASTag; 3X rewards on UPI and other retail	6% value back at IndianOil fuel stations; 100 litres free petrol as fuel points annually
Airport lounges	More1 a quarter domestic	None listed
Forex markup	Lower0% plus GST	3.5% plus GST
Points	Reward Points, about ₹0.25 a point	Fuel Points, about ₹0.5 a point
Published minimum income and age	Salaried ₹3,00,000 a year, self-employed ₹3,00,000 a year, age 21+	age 21 to 70
Network	Not listed	Mastercard / RuPay
Apply	ApplyAffiliate link	ApplyAffiliate link

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Common questions

Which has the lower annual fee?

FIRST Power+ (₹499 against ₹500). FIRST Power+ waives it on ₹1,50,000 of spend a year. IndianOil RBL Bank waives it on ₹1,75,000 of spend a year.

Add a third card FIRST Power+IndianOil RBL Bank

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