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IDFC HPCL FIRST Power Credit Card VS IDFC HPCL First Power Plus Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 26 July 2026

IDFC HPCL FIRST Power Credit Card and IDFC HPCL First Power Plus Credit Card take different approaches to fees and rewards. IDFC HPCL FIRST Power Credit Card costs an annual fee and earns not Applicable. IDFC HPCL First Power Plus Credit Card costs ₹499 + GST and earns up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail. IDFC HPCL First Power Plus Credit Card also brings complimentary access once per quarter on minimum monthly spends of ₹20,000. Weigh the fee against the reward rate above to see which fits your spending pattern better.

IDFC HPCL FIRST Power Credit Card
IDFC HPCL FIRST Power Credit Card
IDFC HPCL First Power Plus Credit Card
IDFC HPCL First Power Plus Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹1,999 + GST
Renewal Fee₹199 + GST
Renewal Fee₹1,999 + GST
Spend Based WaiverAnnual fee waived on spends of ₹50,000 or more in the previous anniversary year.
Spend Based WaiverAnnual fee waiver on spending ₹1.5 Lakhs in the previous year.
Foreign Transaction Fees3.5% foreign currency markup.
Foreign Transaction Fees1.99% + GST
Interest Rate (APR)Dynamic APR from 0.71% to 3.85% per month (8.5% to 46.2% per annum).
Interest Rate (APR)0.00% to 3.50% per month (0% for up to 48 days).

Rewards & Benefits

Welcome BonusWelcome benefits worth ₹2,250 including ₹250 on first HPCL fuel transaction & 5% cashback on first EMI conversion.
Welcome Bonus₹2500 total benefits: ₹500 fuel voucher, ₹1500 brand vouchers, ₹500 utility cashback.
Rewards RateUp to 5% savings on fuel (21X points), 2.5% on groceries/utilities/FASTag (15X points), 2X on others.
Rewards Rate5% savings & 6X rewards on HPCL fuel; 6X on grocery/apparel; 3X on utility/Fastag; 10X on birthday.
Reward TypeReward Points, Other Benefits
Reward TypeReward Points, Cashback, Other Benefits
Reward Redemption Fee₹99 + taxes per redemption.
Reward Redemption FeeNo reward redemption fee.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on spending ₹5,000 in the previous quarter.
International Lounge Access
International Lounge Access
Travel BenefitsBonus Reward Points on hotel/flight bookings via app; discounts on Yatra for flights, hotels & bus.
Travel BenefitsComplimentary domestic airport lounge access & roadside assistance.
Movie Benefits
Movie Benefits
Dining Benefits15% off on food bill at various restaurants (not valid on Buffet & Alcoholic Beverages).
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver, capped at ₹100 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL pumps (up to ₹300/month).

Security & Other

Insurance Benefits₹2 Lakh Personal Accident Cover & ₹25,000 Lost Card Liability Cover.
Insurance BenefitsPersonal Accident Cover (₹50L), Air Accident (₹1Cr), Lost Card Liability (₹50K), Travel Insurance.
Cash Advance Charges₹199 per transaction; interest-free for up to 45 days.
Cash Advance Charges₹199 + GST or 2.5% of the amount, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC HPCL FIRST Power Credit Card

IDFC HPCL First Power Plus Credit Card

Who is it for?

The IDFC FIRST Power Credit Card is an excellent entry-level fuel-focused card, designed for vehicle owners looking to maximize savings on their mobility and daily expenses. With a low joining and annual fee, which can be easily waived with moderate annual spending, it offers great value. The card provides up to 5% savings on fuel, along with rewards on groceries, utilities, and FASTag recharges, contributing to annual savings of up to ₹7,000. It also includes essential benefits like complimentary roadside assistance and insurance covers. This card is highly recommended for budget-conscious individuals who frequently refuel at HPCL stations and want to earn rewards on their essential household and travel spends.

Who is it for?

The IDFC HPCL First Power Plus Credit Card is a premium fuel credit card designed for daily commuters and high fuel spenders. It offers maximum fuel benefits with extensive everyday rewards, providing annual savings of up to ₹18,500. Cardholders also enjoy welcome benefits worth ₹2500, complimentary domestic airport lounge access, and comprehensive insurance covers. This card is ideal for individuals seeking significant savings on fuel and a range of lifestyle benefits.

Pros

Key benefits and features.

Offers substantial savings of up to 5% on fuel, groceries, and utility bill payments.

Features a low joining and annual fee, easily waived with moderate annual spending.

Provides essential benefits like complimentary roadside assistance and insurance covers.

Allows UPI transactions directly from the credit card, earning reward points.

Enjoy interest-free ATM cash withdrawals for up to 45 days, a unique benefit.

Pros

Key benefits and features.

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.

Lacks complimentary domestic or international airport lounge access benefits.

A redemption fee of ₹99 + taxes is charged for redeeming reward points.

High foreign currency markup of 3.5% makes international spends expensive.

No specific movie or dining discounts are explicitly highlighted for this variant.

Cons

Key drawbacks and limitations.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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