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

IDFC HPCL First Power Plus Credit Card

/assest/image/icons/fuel.svg Fuel
/assest/image/icons/grocery.png Grocery
/assest/image/icons/travel.svg Travel
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Joining Fee: ₹499* Plus Applicable Taxes

Renewal Fee: ₹499*Plus Applicable Taxes

Fuel Fuel
Grocery Grocery
Travel Travel
MyBankingTips Rating

Joining Fee: ₹499* + Tax

Renewal Fee: ₹499* + Tax

Welcome benefits:- ₹500 gift voucher on first HPCL fuel transaction and 5% cashback up to ₹1,000 on first EMI conversion.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IDFC HPCL First Power Plus Credit Card

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 TypeAmount
Joining/Annual FeeRs. 499 + Applicable Taxes
Add-on Card FeeNil
Interest Rate0.71% to 3.85% p.m. | 8.5% to 46.2% p.a.
OVL Charges2.5% of the over-limit amount ( minimum Rs. 550)
Late Payment Charges15% 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
     

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