IDFC HPCL First Power Plus Credit Card

By: Our Money Guide || Last updated on: November 17, 2025

The IDFC HPCL First Power Plus Credit Card is a co-branded credit card between Hindustan Petroleum Corporation Limited (HPCL) and IDFC First Bank. 

This fuel card provides attractive incentives for fuel expenditure, travel spends, grocery purchases, utility expenses, and FASTag recharges.

Brief Overview

Benefits

• 6.50% reward on HPCL fuel purchases up to ₹10,000 per month (petrol, diesel & LPG) 
• 5% reward on grocery purchases & utility expenses, on purchases up to ₹2000 per month 
• 5% reward on FASTag, on recharges up to ₹1000 per month 
• 0.50% reward on all other card spending
• Up to 8.3% additional rewards on hotel and flight bookings (8.3% on hotels, 5% on flights)
• Lounge access: Complimentary domestic airport lounge access, 4 times per year (1 time per quarter)
• Movie offer: 25% discount (up to ₹100 per month) on movie tickets on Paytm mobile app, 1 time per month
• Emergency complimentary roadside assistance (RSA) package worth ₹1399

Charges

• Annual fee - ₹499, reversed if you spend 1.50 lakhs or more on your card in the previous year 
• Finance charges - 0.71% – 3.85% per month (8.5% – 46.2% per annum) on outstanding balances, depending on the profile of the cardholder.

Eligibility

• Salaried - ₹3 lakhs per year

Let us review the card in detail - pros & cons, benefits, charges, eligibility requirements, and application process.

Detailed Review

Features & Benefits of the IDFC HPCL First Power Plus Credit Card

1. 6.50% reward on HPCL fuel purchases (petrol, diesel & LPG) 

▶︎ 5% reward on HPCL fuel purchases up to ₹12,000 per month 

• Earn 20 reward points worth ₹5, per ₹100 spent
• Monthly Limit: 2400 reward points, reached at ₹12,000 monthly spending

▶︎ 1.50% reward on HPCL fuel purchases up to ₹10,000 per month (only through HP Pay App)

• Earn 6 Happy Coins worth ₹1.50, per ₹100 spent 
• Payment needs to be through HP Pay app (scanning QR in HP Pay app & paying with FIRST Power+ credit card)
• Monthly Limit: 600 Happy Coins, reached at ₹10,000 monthly spend

This benefit is applicable only on using “Pay by QR” or “Wallet upload” option in HP Pay App. 

• Pay by QR in HP Pay App: Earn 6 Happy Coins on payment by QR in HP Pay App & using FIRST Power+ Credit Card at HPCL fuel station (4 Happy Coins on payment + 2 Happy Coins within 30 days of payment)
• HP Pay App wallet upload: Earn 6 Happy Coins (3 Happy Coins on upload + additional 2 Happy Coins within 30 days of wallet upload + 1 Happy Coin on HPCL fuel payment using wallet balance

Redeeming reward points | Value of reward points

• Happy Coins are accumulated in your account on the HP Pay app.
• 1 Happy Coin = ₹0.25 (25 paise), and can be used to pay for HPCL fuel purchases through the HP Pay app

Note: Fuel includes petrol, diesel & LPG.

2. 5% reward on grocery purchases & utility expenses

Earn 20 reward points (worth ₹5), per ₹100 spent

Monthly Limit: 400 reward points, reached at ₹2000 monthly spend

3. 5% reward on FASTag, on recharges up to ₹1000 per month (maximum reward of ₹50 per month)

• 20 reward points worth ₹5, per ₹100 spent
• Monthly Limit: 200 reward points, reached at ₹1000 monthly spend
• Valid only if FASTag recharges are done through FIRST forward and IDFC FIRST Mobile Banking app.

4. 0.50% reward on other card spending (including UPI spending on RuPay variants)

• 2 points worth ₹0.50, per ₹100 spent 
• Important exclusions: No reward points are given on insurance premium payments, non-HPCL fuel spends, EMI transactions, ATM cash withdrawals, HPCL fuel, utility & grocery spends and IDFC FASTag recharges.

5. Up to 8.3% Additional Rewards on Hotel and Flight Bookings

• Extra rewards on hotel bookings: 8.3% (50 points worth ₹12.50 per ₹150 spent)
• Extra rewards on flight bookings: 5% (30 points worth ₹7.50 per ₹150 spent)

Redemption: 1 reward point = ₹0.25, redeemable via the IDFC PoshVine Reward Portal.

Limit: Maximum 8000 bonus reward points per month

6. Domestic airport lounge access, 4 times per year (1 time per quarter)

• Requires ₹20,000 spending in the previous month to unlock lounge access
• For list of applicable airport lounges and other details, please click here.

7. Movie discounts: 25% discount (up to ₹100 per month), 1 time per month

• Through Paytm mobile app

8. Emergency complimentary roadside assistance (RSA) package worth ₹1399

• 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – through Global Assure
• Valid 4 times a year.

9. Complimentary insurance benefits

• ₹25000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank Credit Card.
• ₹2 lakh 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.
• Credit shield cover of ₹50,000 – for unpaid bills on the card, in the event of an accidental death of the cardholder. This protects and gives peace of mind to legal heirs/ next of kin.

• Purchase Protection- ₹25,000

10. Exclusive offers on IDFC First Credit Cards

• IDFC First offers exclusive deals on shopping, travel, dining, health & wellness, entertainment and more.
• Please click here to see the latest offers – IDFC First Deals & Offers.

Eligibility Criteria

Conclusion

IDFC HPCL First Power Plus Credit Card is one of the best fuel credit cards in India, offering a high reward rate of 6.50% on fuel purchases. 

To earn high rewards on non-fuel spending, check your options here.