IDFC FIRST Bank has partnered with HPCL to offer two co-branded fuel credit cards – Power and Power Plus. The Power Plus variant is the superior option, offering a 6.5% return via reward and loyalty points on fuel purchases. While alternatives like Indian Oil RBL XTRA and BPCL SBI Card Octane offer higher returns, they also come with steeper fees, making the Power Plus card a strong contender in its fee segment.
Apart from fuel savings, the card also provides accelerated rewards on categories like groceries, utility bills, and FASTag recharges. Additional benefits include complimentary airport lounge access, movie vouchers, and roadside assistance. For users looking to save significantly on fuel and routine expenses, this card is a worthy option.
IDFC FIRST Bank, in collaboration with Hindustan Petroleum Corporation Limited (HPCL), has launched the co-branded FIRST Power Plus Credit Card with a joining fee of Rs. 499.
IDFC HPCL First Power Plus Credit Card Rewards Program
Rewards Structure:
Fuel Spends: Earn 30 reward points per ₹150 on HPCL fuel (up to 2,400 points per statement cycle) – equivalent to 5% savings.
HP Pay App: Get 6 Happy Coins per ₹100 spent on HPCL fuel via HP Pay App (up to 600 Happy Coins/month) – 1.5% additional savings.
Groceries & Utilities: 30 reward points per ₹150 spent (up to 400 points per statement cycle) – 5% savings.
IDFC FIRST FASTag Recharge: 30 reward points per ₹150 spent (up to 200 points per statement cycle) – 5% savings.
Travel Bookings: Up to 8.83% savings – earn 53 reward points per ₹150 on hotel bookings and 33 points per ₹150 on flight bookings via the Travel & Shop section of the IDFC FIRST Mobile App.
Other Spends: Earn uncapped 3 reward points per ₹150 spent using the IDFC FIRST Power Credit Card.
Other Features and Benefits
Welcome Benefits
Get a ₹500 gift voucher after your first HPCL fuel transaction.
Enjoy 5% cashback, up to ₹1,000, on your first EMI conversion.
Avail 1 complimentary visit to a domestic airport lounge every calendar quarter by spending ₹20,000 or more in a month.
Entertainment Benefit
Get 25% discount (up to ₹100) on movie tickets once a month on the Paytm Mobile App using promo code IDFCCCFM.
Annual Fee Waiver
Get your annual fee waived on spending ₹1.5 lakh or more in the previous card anniversary year.
Value-Added Benefits
Complimentary roadside assistance worth ₹1,399, available up to 4 times a year.
Personal accident insurance cover of ₹2 lakh and lost card liability protection up to ₹25,000.
Fees and Charges
Fee Type
Amount
Joining/Annual Fee
Rs. 499 + Applicable Taxes
Add-on Card Fee
Nil
Interest Rate
0.71% to 3.85% p.m. | 8.5% to 46.2% 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 frequently refuel at HPCL petrol pumps.
You want a fuel credit card with a low annual fee.
You drive regularly and spend significantly on fuel.
You are comfortable redeeming reward points only for fuel purchases.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For IDFC HPCL First Power Plus Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
IDFC HPCL First Power Plus Credit Card Hilights
What do we like about this card?
Attractive introductory benefits with total value up to Rs. 1,650
Includes lifestyle privileges across travel, movies, and roadside assistance
0% interest on cash withdrawals till the due date
Potential annual savings of up to Rs. 18,500 — equivalent to over 175 litres of fuel
Pros
Up to 6.5% savings on fuel transactions
Up to 8.83% savings on travel spends
Up to 5% savings on IDFC FIRST FASTag, groceries, and utility bills
Monthly movie ticket discount
Cons
Low reward redemption value (Rs. 0.25 per point)
Fuel rewards applicable only on HPCL fuel purchases
No fuel surcharge waiver
Airport lounge access is conditional on monthly spending
Idfc Bank Credit Card Contact Details
Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India Helpline (24x7): 1800 10 888 (Toll-Free for all customers)
Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
Frequently Asked Questions
Everything you need to know about this credit card
Individuals aged 21 years or above with a stable annual income of at least ₹3 lakh and a good credit score are eligible.
As an activation benefit, you get ₹500 cashback on your first fuel transaction (minimum spend ₹500) within 30 days of card issuance.
Yes, reward points are capped as follows per statement cycle:
₹12,000 on HPCL fuel spends
₹10,000 on HP Pay App
₹2,000 on grocery & utilities
₹1,000 on IDFC FIRST FASTag recharge
Each reward point is worth ₹0.25.
Yes, you get 1 complimentary domestic airport lounge visit every quarter on minimum monthly spends of ₹20,000.
The Power Plus card offers up to 6.5% value-back on fuel spends, while the base Power card offers up to 5%.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
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