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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.

Features

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
₹499 + GST
Renewal Fee
₹199 + GST
₹499 + GST
Spend Based Waiver
Annual fee waived on ₹50,000+ spends in previous anniversary year.
Annual fee reversed on spends of ₹1,50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5%.
3.5% on all international transactions.
Interest Rate (APR)
Dynamic rates from 0.71% to 3.85% per month (8.5% to 46.2% per annum).
APR from 0.71% to 3.85% per month (8.5% to 46.2% per annum).

Rewards & Benefits

Welcome Bonus
Welcome benefits valued at ₹2,250, including ₹250 on first HPCL fuel and 5% cashback on first EMI.
Worth ₹2500, including ₹500 fuel voucher/cashback and 5% cashback (up to ₹1,000) on first EMI conversion.
Rewards Rate
Up to 5% savings on fuel; 2.5% on grocery, utility & FASTag; 2X on UPI & other retail transactions.
Up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
₹99 plus taxes.
₹99 + GST on every reward redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Complimentary access once per quarter on minimum monthly spends of ₹20,000.
International Lounge Access
Not Applicable
Travel Benefits
Up to 8.67% savings on hotel & flight bookings via IDFC FIRST App. Discounts on Yatra for travel.
Up to 8.83% savings on hotel bookings & 5.50% on flight bookings via FIRST Rewards Gallery.
Movie Benefits
Not Applicable
25% off on movie tickets up to ₹100, once every month.
Dining Benefits
Discounts on dining with partners like Swiggy, Zomato, Domino's, and select restaurants.
Exciting merchant offers from popular partnered brands.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver, capped at ₹100 per month. Some sources note accelerated rewards instead.
No fuel surcharge waiver, but high reward points are offered on fuel expenses.

Security & Other

Insurance Benefits
Personal Accident Cover ₹2,00,000, Lost Card Liability Cover ₹25,000.
Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000.
Cash Advance Charges
₹199 per transaction; 0% interest on ATM cash withdrawals for up to 45 days.
₹199 + GST per transaction; 0% interest on ATM cash withdrawals for up to 45 days.
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 Bank HPCL FIRST Power Credit Card is a RuPay co-branded card offering significant savings on fuel, groceries, and utility expenses. Cardholders can save up to ₹7,000 annually. It provides welcome benefits up to ₹2,250 and allows users to earn non-expiring reward points on various purchases, along with flexible interest rates and 0% interest on ATM cash withdrawals until the due date. This card is ideal for daily spenders focused on fuel and household savings.

Who is it for?

The FIRST Power+ Credit Card, a collaboration between IDFC FIRST Bank and HPCL, is a mid-range card designed for daily commuters and vehicle owners. It offers significant savings, including up to 6.5% on fuel, 5% on groceries, utilities, and FASTag recharges. Cardholders also enjoy welcome benefits worth ₹2500, complimentary domestic lounge access, and never-expiring reward points, making it ideal for maximizing everyday savings and lifestyle privileges.

Pros

Key benefits and features.

This card offers substantial savings on fuel, utility, and grocery expenses.

Enjoy flexible EMI conversions on purchases and balances, enhancing financial control.

Benefit from a low joining fee of ₹199 plus GST, making it easily accessible.

Reward points earned on the card never expire, providing long-term value.

Pros

Key benefits and features.

Enjoy up to 6.5% savings on fuel, 5% on groceries, and FASTag recharges.

Receive welcome benefits worth ₹2500, including a fuel voucher and EMI cashback.

Benefit from complimentary domestic lounge access and roadside assistance services.

Reward points never expire, providing flexibility and long-term value for users.

Annual fee is easily waived on achieving a reasonable spend of ₹1,50,000 annually.

Cons

Key drawbacks and limitations.

The card does not offer any complimentary domestic or international lounge access.

Golf benefits are not available with this card, limiting premium lifestyle perks.

The fuel surcharge waiver has conflicting information, making the actual benefit unclear.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is charged for every reward point redemption request.

The card does not offer a fuel surcharge waiver, despite its focus on fuel spends.

A high foreign currency markup of 3.5% makes international transactions expensive.

Domestic lounge access requires a minimum monthly spend of ₹20,000 to be eligible.

No international lounge access or golf privileges are provided with this credit card.

Ready to Choose?

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