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IDFC FIRST Power+ (HPCL) Credit Card
IDFC FIRST Bank

IDFC FIRST Power+ (HPCL) Credit Card

~5% back on HPCL fuel, groceries and bills

Joining fee₹499 + GST
Annual fee₹499 + GST
NetworkRuPay
Forex markup0%
LoungeYes
Best forFuel
Apply on issuer site Compare
Details checked October 2026

01Rewards

HPCL fuel30X points (~5%), capped at 2,400 points per cycle
Groceries, utilities & FASTag30X points within per-cycle caps
Other spends3X (~0.5%)
HP Pay appExtra HP “Happy Coins” (~1.5%) on fuel paid via the app

Redemption: ~₹0.25 per point.

02Fees, benefits & charges

Fee waiver
Renewal waived on ₹1.5 lakh annual spend
Welcome benefit
Benefits worth ~₹2,500
Airport lounges
1 domestic visit per quarter on ₹20,000 monthly spend
Forex markup
0% (all IDFC FIRST cards since 9 Sep 2026; international spends do not earn points)
Fuel
No fuel surcharge waiver
No rewards on
Spends beyond the per-cycle caps drop to the base rate

03Highlights & watch-outs

Highlights

  • One of the better HPCL fuel returns
  • RuPay — works on UPI
  • Roadside assistance included

Watch out for

  • No fuel surcharge waiver
  • Caps reached at ~₹12,000 of fuel per cycle

Suits: Two-wheeler and car owners who fill up at HPCL.

04FAQs

What is the annual fee of the IDFC FIRST Power+ (HPCL) Credit Card?
The annual fee is ₹499 + GST, and the joining fee is ₹499 + GST. Renewal waived on ₹1.5 lakh annual spend
Does the IDFC FIRST Power+ (HPCL) Credit Card offer airport lounge access?
1 domestic visit per quarter on ₹20,000 monthly spend
What is the forex markup on the IDFC FIRST Power+ (HPCL) Credit Card?
The foreign currency markup is 0% (all IDFC FIRST cards since 9 Sep 2026; international spends do not earn points).
Which spends don’t earn rewards on the IDFC FIRST Power+ (HPCL) Credit Card?
Spends beyond the per-cycle caps drop to the base rate.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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