IDFC FIRST Power+ Credit Card
Co-branded
Reward Points
Fuel
1st Year Fee: ₹499* Plus Applicable Taxes
Entry-Level Card
Low joining and annual fee of Rs. 499
Fuel Benefits
6.5% savings on fuel spends as reward points
Reward Points
Up to 30 reward points for every Rs. 150 spent
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About HPCL IDFC FIRST Power Plus Card
IDFC FIRST Bank offers two co-branded fuel credit cards with HPCL and HPCL IDFC FIRST Power Plus Credit Card is the upgraded variant. With an annual fee of Rs. 499, this card stands out by offering a 6.5% return through rewards and loyalty points on fuel spends. While some other fuel credit cards offer better returns, they typically come with higher fees, making this IDFC FIRST Card an excellent option in its fee range.
Beyond fuel, it also provides accelerated rewards on groceries, utility bill payments, and FASTag recharges. Complimentary airport lounge access, movie benefits, roadside assistance, etc. add to its benefits. HPCL loyalists seeking significant savings on their fuel expenses, along with saving on other everyday spending, can consider applying for this credit card.
Rewards Structure:
- 5% savings on fuel spends: 30 rewards points per Rs. 150 spent on HPCL fuel, up to 2400 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
- 5% savings On Grocery & Utility Spends: 30 reward points per Rs. 150 spent, up to 400 rewards per statement cycle
- 5% savings On IDFC FIRST FASTag Recharge: via HPCL Power card as 30 reward points per Rs. 150 spent, up to 200 rewards per statement cycle
- Uncapped 3 reward points per Rs. 150 via IDFC FIRST Power credit card
T&C apply.1,2
Other Features & Benefits :
- Welcome Benefits:
- Rs. 500 cashback on the 1st HPCL fuel transaction3,4
- Rs. 1,000 off on Zoomcar self-drive car5
- 5% cashback of up to Rs. 1,000 on first EMI conversion6
- Up to 50% off on chauffeur driven cars rented via IDFC FIRST Bank Eco Rent A Car platform
- 1 complimentary visit to domestic airport lounge every calendar quarter on minimum monthly spends of Rs. 20,000
Quick Read: International lounge access credit cards
- 25% off, up to Rs. 100, on movie tickets once per month
- 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
Also Check: 25 Best Credit cards in India 2025
HPCL IDFC FIRST Power Plus Credit Card : Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining/Annual Fee | Rs. 499 + Applicable Taxes |
| Add-on Card Fee | Nil |
| Interest Rate | 0.75% to 3.65% p.m. | 9% to 43.8% p.a. |
| OVL Charges | 2.5% of the over-limit amount ( minimum Rs. 550) |
| Late Payment Charges | 15% of total amount due (min. Rs. 100, max. Rs. 1,300) |
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 Super Saver Credit Card
BPCL SBI Card
IndianOil Axis Bank Credit Card
Paisabazaar Review
What do we like about this card?
Despite being a fuel credit card, the card extends accelerated benefits to other household-related spends, like grocery and utility bills. Additionally, for a low annual fee card, the welcome benefits are too good to be true, justifying the joining fee by a wide margin. Even the annual fee waiver condition on the card is low and easily achievable even for a low spender.
Pros
- Up to 6.5% savings on fuel transactions
- Up to 5% savings on IDFC FIRST FASTag, groceries & utilities
- Movie discount every month
Cons
- Low reward redemption value of just Rs. 0.25
- Rewards on fuel spends limited to just HPCL branded fuel purchase
- No fuel surcharge waiver
- Lounge access is spend-based
Frequently Asked Questions
Everything you need to know about this credit card
The IDFC FIRST Power Plus Credit Card is a good choice for beginners who are also HPCL fuel station loyalists. The card offers up to 6.5% savings on fuel but also accelerated 5% savings on everyday transactions like groceries and utilities. However, to maximize benefits, users will have to shift their other brand preferences.
The IDFC FIRST Power Plus credit card is offered to individuals aged at least 21 years, with a stable source of income of a minimum of Rs. 3 lakh every year and a good credit score.
The cashback on the IDFC FIRST Power Plus credit card is offered in the first year under the activation benefits. On the first fuel transaction done within the first 30 days of card set-up, card users earn Rs. 500 cashback, subject to a minimum transaction value of Rs. 500.
Maximum spends capping of Rs. 12,000 per statement cycle for HPCL fuel spends; Rs. 10,000 per statement cycle on HP Pay App; Rs. 2,000 per statement cycle on grocery and utilities; Rs. 1,000 spends per statement cycle on IDFC FIRST FASTag Recharge.
Footnotes
- 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
- Cashback is capped on a minimum transaction of Rs. 500, applicable during certain time-periods only, that is, until 31st March 2025.
- On 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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