In comparison to other fuel credit cards, co-branded with HPCL like ICICI Bank HPCL Coral , this card has an edge due to these two factors: (i) it comes at the lowest possible fee, but offers a similar value-back percentage (ii) it does not keep the accelerated reward earning limited to fuel. The ICICI variant offers a lower savings of 3.5% and extended benefit to just movies and fuel surcharge waiver.
IDFC FIRST
HPCL IDFC FIRST Power Credit Card
Reward Points
Fuel
1st Year Fee: ₹199* Plus Applicable Taxes
Entry-Level Card
Low fee of Rs. 199
Fuel
5% savings on fuel
Rewards
21 points per Rs. 150
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About HPCL IDFC FIRST Power Credit Card
IDFC FIRST Bank, in collaboration with HPCL, offers two co-branded fuel credit cards, namely HPCL IDFC FIRST Power and Power Plus credit cards. On this page we cover details on the base variant- HPCL IDFC FIRST Power credit card.
The card comes at a low annual fee of Rs. 199 along with a low waiver requirement of just Rs. 50,000 in a year. Considering the savings of up to 5% on fuel expenses, efficient use of the card can yield good returns to users. Benefits are also extended to other major everyday lifestyle expenses like grocery, utility bills, FASTag recharges and UPI spends.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit IDFC FIRST Bank’s website.
Rewards Structure:
- 3.5% savings on fuel spends: 21 rewards points per Rs. 150 spent on HPCL fuel, up to 700 rewards in a statement cycle
- 1.5% savings through HP Pay App: 6 Happy Coins per Rs. 100 on fuel spends through HP Pay App, up to 600 Happy Coins per month
- 2.5% savings On Grocery & Utility Spends: 15 reward points per Rs. 150 spent, up to 400 rewards per statement cycle
- 2.5% savingsOn IDFC FIRST FASTag Recharge: via HPCL Power card as 15 reward points per Rs. 150 spent, up to 200 rewards per statement cycle
- Uncapped 2 reward points per Rs. 150 via IDFC FIRST Power credit card
Also Read: Best Credit Cards in India 2025
*T&C Apply.1-2
Other Features & Benefits:
- Welcome Benefits:
- Rs. 250 cashback on the 1st HPCL fuel transaction4,5
- Rs. 1,000 off on Zoomcar self-drive car6
- 5% cashback of up to Rs. 1,000 on first EMI conversion7
- Up to 50% off on chauffeur driven cars rented via IDFC FIRST Bank Eco Rent A Car platform
- Annual fee waiver on spending Rs. 50,000 in the previous year
- Complimentary roadside assistance worth Rs. 1,399 up to 4 times in a year
- Personal accident cover worth Rs. 2 lakh and lost card liability cover worth Rs. 25,000
HPCL IDFC FIRST Power Credit Card : Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining/Annual Fee | Rs. 199 |
| Add-on Card Fee | Nil |
| Interest Rate | 0.75% to 3.65% p.m. | 9% to 43.8% p.a. |
| Late Payment Charges | Rs. 100 or 15% of total amount due (up to Rs. 1,300), whichever is higher |
Things to Know Before you apply
Get this card if:
You are an HPCL loyalist
You want a fuel card with low annual fee
You regularly commute with your vehicle and spend a significant amount on fuel
You are okay with using your earned reward points for fuel purchases
Other Similar Cards:
ICICI HPCL Coral Credit Card
IndianOil HDFC Bank Credit Card
BPCL SBI Card
IndianOil Axis Bank Credit Card
Paisabazaar Review
What do we like about this card?
The card comes at a low annual fee of Rs. 199, making it a suitable choice for beginners who are also HPCL fuel loyalists. It offers a great return of up to 5% savings on fuel expenses and also covers spends on grocery, utility bills, FASTag recharges and UPI spends under its rewarding umbrella.
Pros
- Low annual fee
- Achievable fee waiver criteria
- Up to 5% savings of fuel
- Additional accelerated benefits on everyday spends like grocery, utilities and FasTag
- Activation benefits worth more than the joining fee
Cons
- 5% savings on fuel include 1.5% return via HP Pay App (offered as Happy coins)- this can be complicated for some users
- Minimum spend-limitations on reward earning
Frequently Asked Questions
Everything you need to know about this credit card
To use your credit card for UPI linked payments, ensure linking it to your preferred UPI app- any among BHIM, PhonPe, PayTm, Gpay, Freecharge, Slice, Cred & Mobikwik. Post linking, you will be able to scan any UPI enabled QR code and make a payment.
To apply for this card, you must have an annual income of Rs. 3 Lakh or more. Other important eligibility factors are: you must be at least 21 years old, must have a healthy credit score and acceptable credit utilization ratio.
No, the base variant that is IDFC FIRST HPCL Power does not offer any lounge access. However, complimentary domestic lounge visits are a feature of the Plus variant.
Yes you can pay rent using the IDFC FIRST HPCL Power Card, but a fee of 1% of the transaction value is applicable on such transactions. This is subject to a minimum of Rs. 249 per transaction.
Footnotes
- Here, the earned reward points are credited in the card statement and Happy Coins are credited in the HP Pay app.
- Value of 1 reward point= Rs. 0.25
- Maximum spends capping of Rs. 5,000 per statement cycle for HPCL fuel spends; Rs. 10,000 per statement cycle on HP Pay App; Rs. 4,000 per statement cycle on grocery and utilities; Rs. 2,000 spends per statement cycle on IDFC FIRST FASTag Recharge.
- Cashback is capped on a minimum transaction of Rs. 250, applicable during certain time-periods only, that is, until 31st March 2025.
- 1st HPCL fuel transactions done within the first 30 days of card set-up.
- On minimum rental duration of 2 days using the promocode ALIDFCFIRST.
- This offer is applicable on all transactions done within 30 days of card set up, worth Rs. 2,500 or above that are converted to EMIs of min. 6 months tenure, except jewellery and fuel spends.
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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