Our Money Guide

Best HP (Hindustan Petroleum) Fuel Cards

IDFC FIRST Bank and BOB Financial have partnered with HPCL (Hindustan Petroleum Corporation Limited), and issue various co branded cards.

▪︎ IDFC First Power+ Credit Card : 6.50% benefit rate on HPCL purchases, ₹499 annual fee. Best for fuel spends upto ₹10,000 per month.
▪︎ BOB HPCL Credit Card : 6.50% benefit rate on HPCL purchases, ₹499 annual fee. Best for fuel spends upto ₹6,250 per month.
▪︎ IDFC First Power Credit Card : 5% benefit rate on HPCL purchases, ₹199 annual fee. Best for fuel spends upto ₹5,000 per month.

IDFC HPCL First Power+ Credit Card : Best for fuel spends upto ₹10,000 per month

IDFC HPCL First Power+ Credit Card

▪︎ 6.50% benefit on HPCL fuel purchase
▪︎ 5% benefit on grocery purchases & utility expenses
▪︎ 5% special benefit on FASTag

▪︎ 0.33% basic benefit on all other purchases
▪︎ Complimentary airport lounge access in India – once per quarter
▪︎ ₹499 annual fee.
▪︎ Welcome offer worth over ₹1,000
▪︎ Annual fee not charged if you spend ₹1,50,000 or more in the previous year


6.50%* special benefit on HPCL purchases (fuel & LPG)
– 4% special benefit on HPCL fuel & LPG purchases (without using HP Pay App) : you earn 20 reward points worth ₹5, on every ₹100 you spend on HPCL fuel & LPG purchases (since 1 reward point = ₹0.25 or 25 paise). This is valid only on purchases upto ₹10,000 per month.
– 1.50% additional benefit on HPCL purchases (fuel & LPG), by using HP Pay App : you earn 6 Payback Points worth ₹1.50, on every ₹100 you spend on HPCL purchases, by using HP Pay App (since 1 Payback Point = ₹0.25 or 25 paise). This is valid only on purchases upto ₹5,000 per month.
– 1% fuel surcharge waiver : this is valid at all fuel stations, only on fuel expenses upto ₹20,000 per month.

*As you can see above, you get 6.50% benefit on HPCL fuel purchase upto ₹5,000 per month. On purchases between ₹5,000 and ₹10,000, you get 5% benefit (since the 1.50% benefit on HPCL purchases by using HP Pay App is capped at monthly purchases upto ₹5,000).

5% special benefit on grocery purchases & utility expenses : you earn 20 reward points worth ₹5 , on every ₹100 you spend on grocery & utility spends – on combined total purchases of up to ₹4,000 per month. 1 reward point = ₹0.25 or 25 paise.

5% special benefit on FASTag : you earn 20 reward points worth ₹5 , on every ₹100 you spend on FASTag recharges – on upto ₹2,000 of recharges every month. 1 reward point = ₹0.25 or 25 paise.

0.50% basic benefit on all other purchases : you earn 2 points worth ₹0.50 (50 paise) , on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25 or 25 paise.
Exceptions : no reward points are given on following card spends & transactions – HPCL Fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals.

Complimentary airport lounge access in India – once per quarter

Emergency complimentary roadside assistance (RSA) package worth ₹1399 : with this fuel card, you get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure. You can avail this benefit up to 4 times a year. To know more details, please click here.

Lost Card Liability Cover of ₹25,000 : you get a ₹25,000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank co branded credit card.

Personal Accident Cover of ₹2 lakhs : you receive a ₹2,00,000 Personal Accident Cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.

Eligibility Criteria : you should be 21 years or above, and have a minimum income of INR 3 lakhs. You should have a healthy credit score , and your credit usage ratio must be within an acceptable level. Existing IDFC Bank Credit Card holders are not eligible to apply for this card, since IDFC First normally does not offer more than 1 card to its customers.

Application process & tracking your application status : The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the IDFC First Bank website. You can also visit official website of the bank and fill out the application form. Steps : 1. Fill out basic details and enter OTP sent on your mobile number 2. Provide a few more details like PAN, current address, occupation, monthly income etc and submit. 3. Verification and eligibility check by IDFC First Bank
You can also visit any of the nearest branches of the bank and talk to an executive regarding the process. You can track your credit card status by clicking here – IDFC First Credit Card Status

Required documents :
– PAN card
– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof
– Income documents – salary slip, income tax return etc., may be required depending upon the credit card eligibility & policy.
– In addition to these, you may be asked to provide additional documents.

Annual fee & annual fee offers
– Annual fee of the card is ₹499
– Welcome offer worth over ₹1000 : you earn ₹500 cashback , on doing the 1st fuel transaction of ₹500 or above at any HPCL fuel station – within 30 days of card issuance. You also get ₹150 discount on an order above ₹500 on Swiggy, and ₹500 discount on ZoomCar rentals.
– Renewal fee offer : annual fee is waived off from 2nd year onwards , if you spend ₹1,50,000 or more in the previous year.

Late payment fee
Late payment fee is charged if you do not pay even the minimum amount due on your card bill, before the bill due date. You will be charged 15% of the total amount due – with a minimum charge of ₹100 and a maximum charge of ₹1250. A rate of 3.99% will also apply on your overdue balances.

Foreign currency markup fee
3.50% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges
0.75% – 3.50% per month (9% – 42% per annum), depending on the profile of the cardholder. This fee is charged when you pay a bill amount between your minimum amount due and total amount due.

Important note on fees & charges
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – IDFC HPCL First Power+ Credit Card Fees & Charges

HPCL Bank Of Baroda Energie Credit Card : Best for fuel spends upto ₹6,250 per month

HPCL Bank Of Baroda Energie Credit Card

▪︎ 6.50% benefit on HPCL fuel (petrol, diesel and LPG) purchases
▪︎ 1.66% benefit on utilities, groceries & department store spends
▪︎ Annual fee – ₹499
▪︎ Welcome offer worth ₹500
▪︎ Annual fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year.

6.50%* benefit on fuel (petrol, diesel and LPG) purchases
– 4% benefit on HPCL fuel purchases : you earn 16 reward points worth ₹4 , on every ₹100 you spend at HPCL fuel pumps – only on HPCL fuel purchases of upto ₹6,250 per month. 1 reward point = ₹0.25 or 25 paise.
– Additional benefits of 1.50% on HPCL fuel spends by paying through HP Pay App : you earn additional 6 Payback points worth ₹1.50 , on every ₹100 you spend using your HP Pay app – at HPCL fuel outlets. 1 Payback point = ₹0.25 or 25 paise. This is valid only on purchases upto ₹5,000 per month.
– 1% fuel surcharge waiver at ALL fuel stations – on all fuel spends between ₹400 and ₹5,000, AND on upto a maximum of ₹10,000 fuel spend per month. Both these conditions need to be met to avail fuel surcharge waiver.

*As you can see above, you get 6.50% benefit on HPCL fuel purchases upto ₹5,000 per month. On purchases between ₹5,000 and ₹6250, you get 5% benefit (since the 1.50% benefit on HPCL purchases by using HP Pay App is capped at monthly purchases upto ₹5,000).

1.66% benefit on utilities, groceries & department store spends : you earn 6.66 reward points worth ₹1.66 , on every ₹100 you spend on utilities, groceries & department store spends – only on combined total purchases of upto ₹15,000 per month in these categories. 1 reward point = ₹0.25 or 25 paise.

Eligibility Criteria : the primary cardholder must be between 21 and 65 years of age. Minimum income required for salaried individuals is ₹3.60 lakhs per year, and for self-employed is ₹4.80 lakhs per year. A minimum Cibil Score of 750 and above is generally required.

Application process : The easiest way to apply is by clicking here – APPLY NOW , you shall be taken to the card application page on the BOB Financial website. You can also visit official website of BOB Financial and fill out the application form. The online application form involves 3 main steps – complete the e-application, aadhaar-based e-signature , and confirm with video KYC.
You can also visit any of the nearest branches of the bank and talk to an executive regarding the process. The credit card decision would be generally communicated within 7-14 working days in most cases. In certain cases, it could take longer, especially if the bank wants more information and/or documents from you.
You require the following documents – PAN card photocopy, current residence proof, income documents (bank statement showing latest salary credits, income tax return of current financial year), 1 recent passport size photograph

Annual fee and annual fee offers :
– annual fee of the card is ₹499
– welcome offer worth ₹500 : you get 2000 bonus rewards points worth ₹500, by spending ₹5000 or more within 60 days of receiving the card.
– renewal fee offer : annual fee is not charged from the second year onwards, if you spend ₹50,000 or more in the previous year.

Foreign currency mark-up fee : 3.50% of the transaction value.

Finance charges : 3.49% per month (41.88% per annum)

Important note on fees & charges
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HPCL Bank Of Baroda Energie Credit Card Fees & Charges

IDFC HPCL First Power Credit Card : Best for fuel spends upto ₹5,000 per month

IDFC HPCL First Power Credit Card

▪︎ 5% benefit on HPCL fuel purchases
▪︎ 2.50% benefit on grocery purchases & utility expenses
▪︎ 2.50% special benefit on FASTag
▪︎ 0.33% basic benefit on all other purchases
▪︎ Annual fee of the card is ₹199
▪︎ Welcome offer worth ₹250
▪︎ Annual fee is not charged from 2nd year onwards , if you spend ₹50,000 or more in the previous year.

5% special benefit on HPCL purchases (fuel & LPG)
– 2.50% special benefit on HPCL fuel & LPG purchases (without using HP Pay App) : you earn 10 reward points worth ₹2.50, on every ₹100 you spend on HPCL fuel & LPG purchases (since 1 reward point = ₹0.25 or 25 paise). This is valid only on purchases upto ₹5,000 per month.
– 1.50% additional benefit on HPCL purchases (fuel & LPG) – by using HP Pay App : you earn 6 Payback Points worth ₹1.50, on every ₹100 you spend on HPCL purchases (fuel & LPG), by using HP Pay App (since 1 Payback Point = ₹0.25 or 25 paise). This is valid only on purchases upto ₹5,000 per month.
– 1% fuel surcharge waiver : this is valid at all fuel stations, only on fuel expenses upto ₹10,000 per month.

2.50% special benefit on grocery purchases & utility expenses : you earn 10 reward points worth ₹2.50 , on every ₹100 you spend on Grocery & utility spends, only on combined total purchases of up to ₹4,000 per month. 1 reward point = ₹0.25 or 25 paise.

2.50% special benefit on FASTag : you earn 10 reward points worth ₹2.50 , on every ₹100 you spend on FASTag recharges, only on upto ₹2,000 of recharges every month. 1 reward point = ₹0.25 or 25 paise.

0.33% basic benefit on all other purchases : you earn 1.33 points worth ₹0.33 (33 paise) , on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25 or 25 paise.
Exceptions : no reward points are given on following card spends & transactions – HPCL Fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals.

Emergency complimentary roadside assistance (RSA) package worth ₹1399 : you get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure. You can avail this benefit up to 4 times a year. To know more details, please click here.

Lost Card Liability Cover of ₹25,000 : you get a ₹25,000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank Credit Card.

Personal Accident Cover of ₹2 lakhs : you receive a ₹2,00,000 Personal Accident Cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.

Eligibility Criteria : you should be 21 years or above, and have a minimum income of INR 3 lakhs. You should have a healthy credit score , and your credit usage ratio must be within an acceptable level. Existing IDFC Bank Credit Card holders are not eligible to apply for this card, since IDFC First normally does not offer more than 1 card to its customers.

Application process & tracking your application status : The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the IDFC First Bank website. You can also visit official website of the bank and fill out the application form. Steps : 1. Fill out basic details and enter OTP sent on your mobile number 2. Provide a few more details like PAN, current address, occupation, monthly income etc and submit. 3. Verification and eligibility check by IDFC First Bank
You can also visit any of the nearest branches of the bank and talk to an executive regarding the process. You can track your credit card status by clicking here – IDFC First Credit Card Status

Required documents :
– PAN card
– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof
– Income documents – salary slip, income tax return etc., may be required depending upon the credit card eligibility & policy.
– In addition to these, you may be asked to provide additional documents.

Annual fee & annual fee offers
– Annual fee of the card is ₹199
– Welcome offer worth ₹250 : you earn ₹250 cashback , on doing the 1st fuel transaction of ₹250 or above at any HPCL petrol pump – within 30 days of card issuance
– Renewal fee offer : annual fee is waived off from 2nd year onwards , if you spend ₹50,000 or more in the previous year.

Late payment fee : Late payment fee is charged if you do not pay even the minimum amount due on your card bill, before the bill due date. You will be charged 15% of the total amount due – with a minimum charge of ₹100 and a maximum charge of ₹1250. A rate of 3.99% will also apply on your overdue balances.

Foreign currency markup fee : 3.50% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges : 0.75% – 3.50% per month (9% – 42% per annum), depending on the profile of the cardholder. This fee is charged when you pay a bill amount between your minimum amount due and total amount due.

Important note on fees & charges
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – IDFC HPCL First Power Credit Card Fees & Charges

Conclusion

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