IDFC FIRST BankIs the IDFC HPCL FIRST Power Credit Card Right for You?
The IDFC HPCL FIRST Power Credit Card is best suited for users who prioritize . It offers Not Applicable as its primary reward mechanism.
Key Card Details
Not Applicable
Benefits & Features
Reward Type
Not Applicable
Fees & Charges
Benefits & Features
Reward Type
Not Applicable
What matters, explained clearly
isactive: true joining_fee: "₹199 + GST" joining_fee_numerical: 199 renewal_fee: "₹199 + GST" renewal_fee_numerical: 199 best_suited_for: ["Fuel", "Utilities", "Shopping"] reward_type: "Reward Points" welcome_benefits: "₹250 worth benefit on 1st HPCL fuel transaction of ₹250 or above (cashback for cards setup till June 9, 2025, gift voucher thereafter); 5% cashback (up to ₹1,000) on the transaction value of 1st EMI conversion; Exciting merchant offers worth ₹1,000+" movie: null dining: null rewards_rate: "Up to 5% savings on fuel expenses (21X Rewards per ₹150 spent at HPCL, 1.5% as Payback Rewards via HP Pay App, 1% fuel surcharge waiver); 2.5% savings as Rewards on Grocery & Utility expenses (15 Rewards per ₹150 spent, max ₹4,000/month); 2.5% savings as Rewards on IDFC FIRST FASTag recharge (max ₹2,000/month); 2X Rewards on UPI and other retail transactions; 26.67% Bonus Reward Points on hotel & 13.33% on flight bookings through IDFC FIRST Mobile App (effective 18th June 2026)." reward_redemption: "Reward points never expire. Pay instantly for online/offline transactions at select merchants. Redeem for gift cards, memberships, or products via IDFC FIRST Bank Mobile App or internet banking portal. Redemption charge of ₹99 + GST may apply." travel: "Complimentary Roadside Assistance worth ₹1,399 (4 services/year); 26.67% Bonus Reward Points on hotel & 13.33% on flight bookings through IDFC FIRST Mobile App (effective 18th June 2026)." domestic_lounge_access: null international_lounge_access: null golf: null insurance_benefits: "Personal Accident Cover of ₹2,00,000; Lost Card Liability Cover of ₹25,000; Complimentary Roadside Assistance worth ₹1,399 (4 services/year)." spend_based_waiver: "Annual fee reversed on spends of ₹50,000 or more in a year (excluding ATM Cash Withdrawal, Balance Transfer, monthly EMIs, fees and charges, net of reversals/refunds)." rewards_redemption_fee: "₹99 + GST" foreign_currency_markup: "3.5%" interest_rates: "Low & Dynamic Interest rates from 0.71% to 3.85% per month (8.5% to 46.2% per annum)." fuel_surcharge: "1% fuel surcharge waiver capped at a maximum of ₹100 per month." cash_advance
Compare IDFC HPCL FIRST Power Credit Card
IDFC HPCL FIRST Power Credit Card vs IDFC HPCL First Power Plus Credit Card
The base IDFC HPCL FIRST Power Credit Card features a ₹199 joining and renewal fee, while the FIRST Power Plus demands a higher ₹499 joining and renewal fee. Since both grant reward points on fuel, is paying the higher fee worth it for the upgraded benefits?
ICICI Bank HPCL Coral Credit Card vs IDFC FIRST HPCL Power Credit Card
For a low ₹199 fee, which HPCL card wins? Both earn reward points, but does IDFC's 5% savings outperform ICICI's classic Coral benefits for budget-conscious drivers?
IDFC FIRST HPCL Power Credit Card vs HPCL ENERGIE BOBCARD
IDFC's entry card is ₹199, while BOBCARD's Energie is ₹499. Both earn reward points, but is paying ₹300 more for the BOBCARD worth it for the added lounge access and higher fuel savings?