IDFC FIRST BankIn partnership with HPCLIDFC HPCL First Power Plus Credit Card – Benefits, Fees & Eligibility
Is the IDFC HPCL First Power Plus Credit Card Right for You?
The IDFC HPCL First Power Plus Credit Card is best suited for users who prioritize Fuel, Shopping, Utilities. With a joining fee of ₹1,999 + GST and a renewal fee of ₹1,999 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points, Cashback, Other Benefits as its primary reward mechanism, with a rewards rate of 5% savings & 6X rewards on HPCL fuel; 6X on grocery/apparel; 3X on utility/Fastag; 10X on birthday..
Key Card Details
₹1,999 + GST
₹1,999 + GST
Reward Points, Cashback, Other Benefits
1.99% + GST
5% savings & 6X rewards on HPCL fuel; 6X on grocery/apparel; 3X on utility/Fastag; 10X on birthday.
0.00% to 3.50% per month (0% for up to 48 days).
Notable Perks
Welcome Offer
₹2500 total benefits: ₹500 fuel voucher, ₹1500 brand vouchers, ₹500 utility cashback.
Domestic Lounge Access
1 complimentary domestic airport lounge access per quarter on spending ₹5,000 in the previous quarter.
Insurance Coverage
Personal Accident Cover (₹50L), Air Accident (₹1Cr), Lost Card Liability (₹50K), Travel Insurance.
Spend-Based Waiver
Annual fee waiver on spending ₹1.5 Lakhs in the previous year.
Fuel Surcharge Waiver
1% fuel surcharge waiver at HPCL pumps (up to ₹300/month).
Things to Consider
The annual fee of ₹1,999 + GST is relatively high for a fuel-focused card.
Lounge access is limited to domestic airports and requires a minimum spend.
Reward points on fuel are capped, limiting benefits for very high spenders.
Benefits & Features
Welcome Offer
₹2500 total benefits: ₹500 fuel voucher, ₹1500 brand vouchers, ₹500 utility cashback.
Rewards Rate
5% savings & 6X rewards on HPCL fuel; 6X on grocery/apparel; 3X on utility/Fastag; 10X on birthday.
Reward Type
Reward Points, Cashback, Other Benefits
Reward Redemption
Redeem points for fuel at HPCL outlets or for products/vouchers.
Domestic Lounge Access
1 complimentary domestic airport lounge access per quarter on spending ₹5,000 in the previous quarter.
Insurance Coverage
Personal Accident Cover (₹50L), Air Accident (₹1Cr), Lost Card Liability (₹50K), Travel Insurance.
Travel Benefits
Complimentary domestic airport lounge access & roadside assistance.
Fees & Charges
Joining Fee
₹1,999 + GST
Renewal Fee
₹1,999 + GST
Spend-Based Waiver
Annual fee waiver on spending ₹1.5 Lakhs in the previous year.
Foreign Currency Markup
1.99% + GST
Interest Rates
0.00% to 3.50% per month (0% for up to 48 days).
Fuel Surcharge Waiver
1% fuel surcharge waiver at HPCL pumps (up to ₹300/month).
Cash Advance Charges
₹199 + GST or 2.5% of the amount, whichever is higher.
Rewards Redemption Fee
No reward redemption fee.
Pros & Cons
Pros
Key benefits and features of this card.
Maximum fuel benefits with extensive everyday rewards, saving up to ₹18,500 annually.
Enjoy complimentary domestic airport lounge access and roadside assistance.
Benefit from a low foreign currency markup of 1.99% and 0% interest on cash withdrawals.
Generous welcome benefits worth ₹2500 including fuel vouchers and brand vouchers.
Annual fee waiver on spending ₹1.5 Lakhs, making it cost-effective for regular users.
Cons
Key drawbacks and limitations of this card.
The annual fee of ₹1,999 + GST is relatively high for a fuel-focused card.
Lounge access is limited to domestic airports and requires a minimum spend.
Reward points on fuel are capped, limiting benefits for very high spenders.
Welcome benefits require specific transaction types and spend thresholds to unlock.
The card lacks international lounge access, which is a drawback for global travelers.
Product Details
0% interest on cash withdrawals for up to 48 days.
Low foreign currency markup of 1.99% + GST.
Convert transactions over ₹2,500 into EMIs.
No over-limit fee and no cash advance fee for 48 days.
Complimentary Roadside Assistance worth ₹1,399.
Comprehensive insurance covers including personal accident.
Benefits & Features
Welcome Offer
₹2500 total benefits: ₹500 fuel voucher, ₹1500 brand vouchers, ₹500 utility cashback.
Rewards Rate
5% savings & 6X rewards on HPCL fuel; 6X on grocery/apparel; 3X on utility/Fastag; 10X on birthday.
Reward Type
Reward Points, Cashback, Other Benefits
Reward Redemption
Redeem points for fuel at HPCL outlets or for products/vouchers.
Domestic Lounge Access
1 complimentary domestic airport lounge access per quarter on spending ₹5,000 in the previous quarter.
Insurance Coverage
Personal Accident Cover (₹50L), Air Accident (₹1Cr), Lost Card Liability (₹50K), Travel Insurance.
Travel Benefits
Complimentary domestic airport lounge access & roadside assistance.
What matters, explained clearly
Introduction
The IDFC FIRST Bank offers two co-branded credit cards in collaboration with Hindustan Petroleum Corporation Limited: the FIRST Power+ Credit Card and the FIRST Power Credit Card.
The FIRST Power+ Credit Card is positioned as a premium fuel credit card, designed for daily commuters and high fuel spenders, offering maximum fuel benefits with extensive everyday rewards. It provides annual savings of up to ₹18,500, equivalent to over 175 litres of fuel, along with welcome benefits worth ₹2500 and complimentary domestic airport lounge access.
The FIRST Power Credit Card is an entry-to-mid-range fuel credit card, tailored for vehicle owners, focusing on significant savings on fuel, utility payments, and travel expenses. It offers annual savings of up to ₹7,000, equivalent to over 65 litres of fuel, welcome benefits worth ₹2250, and complimentary roadside assistance.
Welcome Benefits
- For FIRST Power+ Credit Card:
- Total welcome benefits worth ₹2500.
- ₹500 Gift Voucher on the first HPCL fuel transaction of ₹500 or above.
- For cards set-up till June 9, 2025, the benefit is given as cashback, requiring the transaction within 30 days of card set-up.
- For cards set-up June 10, 2025, onwards, the benefit is given as a gift voucher, requiring the
Frequently Asked Questions
Compare IDFC HPCL First Power Plus Credit Card
HPCL ENERGIE BOBCARD Credit Card vs IDFC HPCL First Power Plus Credit Card
With joining fees of ₹499, both co-branded cards target the HPCL customer with reward points. Does the BOBCARD's additional travel and movie perks make it a better all-rounder than the IDFC variant?
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 Super Saver Credit Card vs IDFC FIRST HPCL Power Plus Credit Card
The ICICI HPCL Super Saver costs ₹500, while the IDFC FIRST Power Plus is priced at ₹499. Both offer reward points and extra benefits on HP Pay, but which card is the true 'super saver' for HPCL loyalists?
ICICI Bank HPCL Super Saver vs IDFC FIRST HPCL Power Plus vs HPCL ENERGIE BOBCARD
Compare the three heavy hitters of the HPCL co-branded space, all priced around ₹500. With reward points at the core, which card offers the best mix of fuel savings and lifestyle privileges?
ICICI Bank HPCL Platinum Credit Card vs IDFC HPCL First Power Plus Credit Card
Get the full picture on ICICI Bank HPCL Platinum Credit Card versus IDFC HPCL First Power Plus Credit Card - fees, rewards, and eligibility compared side by side.
ICICI Bank HPCL Coral Credit Card vs IDFC HPCL First Power Plus Credit Card
Your ultimate guide to choosing the right credit card. We break down the features of ICICI Bank HPCL Coral Credit Card and IDFC HPCL First Power Plus Credit Card for you.