BEST FOR FUEL SPENDS UPTO ₹5,000 PER MONTH

IDFC HPCL First Power Credit Card

IDFC HPCL First Power Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
5% reward on HPCL fuel, on purchases up to ₹5000 per month
✔︎
2.50% reward on groceries & utilities, on total purchases up to ₹4000 per month
✔︎
2.50% reward on FASTag recharges, of up to ₹2000 per month
✔︎
Emergency complimentary roadside assistance (RSA) package worth ₹1399 – 4 times per year
Annual Fee

₹199

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offer: Gift voucher worth ₹250
  • Renewal offer : Renewal fee waived at ₹50,000 yearly card spend

5% reward on HPCL fuel (petrol, diesel & LPG) 

  • 3.50% rewards: 14 reward points worth ₹3.50, per ₹100 spent. Monthly limit: 700 reward points worth ₹175, reached at ₹5000 monthly spend
  • +1.50% reward on purchases through HP Pay App: 6 Happy Coins worth ₹1.50, on every ₹100 spent. Monthly limit: 600 Happy Coins worth ₹150, reached at ₹10,000 spend per month.

2.50% reward on groceries & utilities

  • 10 reward points per ₹100 (₹2.50 value)
  • Monthly limit: 400 reward points worth ₹100, reached at ₹4,000 monthly spend across both categories 

2.50% reward on FASTag Recharges

  • 10 reward points per ₹100 (₹2.50 value)
  • Monthly limit: 200 reward points worth ₹50, reached at ₹2,000 monthly spend 

0.33% reward on other purchases: 

  • 1.33 points per ₹100 (₹0.33 value)
  • Important exclusions: Insurance, non-HPCL fuel, EMI, ATM withdrawals

Value of reward points & redemption

  • IDFC rewards: 1 reward point = ₹0.25, can be redeemed on IDFC First Bank’s Rewards Platform
  • HP Pay rewards: 1 Happy Coin = ₹0.25, can be used to pay for HPCL fuel purchases through the HP Pay app

Roadside assistance: 24/7 emergency support worth ₹1,399 (4 times yearly)

Comprehensive Insurance Coverage

  • Card protection: ₹25,000 for fraud/counterfeit transactions
  • Personal accident: ₹2 lakh for death/permanent disability
  • Credit shield: ₹50,000 for unpaid bills in case of cardholder's accidental death
  • Purchase protection: ₹25,000 coverage for eligible purchases
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Benefits

  • Attractive benefit rate of 5% on monthly fuel purchases
  • Good benefit rate of 2.50% on grocery purchases & utility bill payments
  • 1st year annual fee is fully covered by joining benefits. Low annual card spend target (of ₹50,000) to get annual fee waived off.
  • The card also offers a range of additional benefits, such as complimentary road side assistance and insurance benefits

Drawbacks

  • The card is not attractive for individuals who incur fuel expenses much higher than ₹5000 per month
  • You are restricted to HPCL pumps, to avail special fuel benefits

To read the full review of the card , please click here

GOOD FUEL CARD FOR COMPARATIVELY HIGHER FUEL SPENDS || UPI ENABLED CARD

IDFC HPCL First Power Plus Credit Card

IDFC HPCL First Power Plus Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
6.50% reward on HPCL fuel, on purchases up to ₹10,000 per month
✔︎
5% reward on grocery & utility bills, on total spends up to ₹2000 per month
✔︎
5% reward on FASTag recharge, on recharges up to ₹1000 per month.
✔︎
Domestic airport lounge access – 1 time per quarter
Annual Fee

₹499

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offers: ₹500 voucher
  • Renewal offer: Annual fee waived at ₹1.50 lakh annual spend

6.50% reward on HPCL fuel (petrol, diesel & LPG) 

  • 5% rewards: 20 reward points worth ₹5, on every ₹100 spent. Monthly limit: ₹12,000 spend per month
  • +1.50% reward on purchases through HP Pay App: 6 Happy Coins worth ₹1.50, on every ₹100 spent. Monthly limit: ₹10,000 spend per month.

5% reward on groceries & utilities

  • 20 reward points per ₹100 (₹5 value)
  • Monthly limit: Total ₹2,000 spend per month across both categories 

5% reward on FASTag Recharges

  • 20 reward points per ₹100 (₹5 value)
  • Monthly limit: Total ₹1,000 spend per month across both categories

0.50% reward on other purchases: 

  • 2 points per ₹100 (₹0.50 value), including UPI spends on RuPay variants of card 
  • Important exclusions: Insurance, non-HPCL fuel, EMI, ATM withdrawals

Up to 8.3% additional travel bonus rewards (maximum 8,000 points per month)

  • Hotels: Extra 8.3% rewards (50 points per ₹150 spent)
  • Flights: Extra 5% rewards (30 points per ₹150 spent)

Value of reward points & redemption

  • IDFC rewards: 1 reward point = ₹0.25, can be redeemed on IDFC First Bank’s Rewards Platform
  • HP Pay rewards: 1 Happy Coin = ₹0.25, can be used to pay for HPCL fuel purchases through the HP Pay app

Domestic airport lounge access: 1 visit per quarter (requires ₹20,000 monthly spend in previous month)

Roadside assistance: 24/7 emergency support worth ₹1,399 (4 times yearly)

Comprehensive Insurance Coverage

  • Card protection: ₹25,000 for fraud/counterfeit transactions
  • Personal accident: ₹2 lakh for death/permanent disability
  • Credit shield: ₹50,000 coverage for unpaid bills in case of accidental death
  • Purchase protection: ₹25,000 coverage for eligible purchases
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Benefits

  • Attractive reward of 6.50% on fuel purchases
  • Good reward of 5% on grocery purchases, utility bills and FASTag recharges
  • Up to 8.3% additional rewards on hotel and flight bookings
  • Additional benefits, such as complimentary road side assistance and insurance benefits

Drawbacks

  • Cardholders are restricted to HPCL pumps, to avail attractive fuel benefits

To read the full review of the card , please click here
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Comparing IDFC Fuel Credit Cards: Power Vs Power Plus

Card Name Annual Fee Benefits

IDFC HPCL First Power Credit Card

Minimum Income

₹3 lakhs per year

 Annual Fee - ₹ 199
  • Welcome offer: Gift voucher worth ₹250
  • Renewal offer : Renewal fee waived at ₹50,000 yearly card spend
Special Benefits
  • 5% reward on HPCL fuel purchases, on purchases up to ₹5,000 per month
  • 2.50% reward on grocery & utility spends (on spends up to ₹4000 per month)
  • 2.50% reward on FASTag recharges (on recharges up to ₹2000 per month)
  • Low annual fee of ₹199
  • Low annual spend requirement of ₹50,000, to get annual fee waivers

IDFC HPCL First Power Plus Credit Card

Minimum Income

₹3 lakhs per year

 Annual Fee - ₹ 499
  • Welcome offers: ₹500 voucher
  • Renewal offer: Annual fee waived at ₹1.50 lakh annual spend
 Special Benefits
  • 6.50% reward on HPCL fuel purchases, on purchases up to ₹10,000 per month
  • Domestic airport lounge access – 1 time per quarter
  • 5% reward on grocery & utility bills, on total spends up to ₹2000 per month
  • 5% reward on FASTag recharge, on recharges up to ₹1000 per month

Suggested Read

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