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The IDFC HPCL First Power+ Card is a co branded credit card between two leading organisations, Hindustan Petroleum Corporation Limited (HPCL) and IDFC First Bank. This fuel card provides attractive incentives on fuel expenditure , and also on grocery purchases, utility expenses and FASTag recharges.

IDFC HPCL First Power Credit Card

Brief Summary

Our Rating
4.0 / 5

Our View

Best for those who spend upto ₹10000 , on monthly fuel purchases. And are comfortable with being restricted only to HPCL fuel pumps. You get 6.50% benefit on your fuel purchases. You also get 5% benefit on grocery purchases, utility expenses and FASTag recharges.

The card has an annual fee of ₹ 499. 1st year annual fee is compensated by welcome benefits, and fee from the 2nd year onwards is waived off at ₹1.50 lakhs annual card spend. If you use the card on the promotion categories (fuel, grocery, utility expenses and FASTag recharges), it can help you achieve this annual fee spend waiver target of ₹1.50 lakhs. Hence it a good fuel card choice for comparatively high fuel spenders.

IDFC HPCL First Power Credit Card

on IDFC First Bank website

IDFC HPCL First Power Credit Card

Special Benefits

6.50% benefit on HPCL fuel purchases.

Other Benefits

5% on grocery purchases, utility bills & FASTag recharge.

Minimum Income

Not specified

Annual Fee

₹ 499

Annual Fee Offers

Welcome offer worth over ₹1,000

Renewal fee waiver at ₹1.50 lakhs card spend per year

Pros and Cons of IDFC HPCL First Power Credit Card

Benefits of using the Card

  • Attractive benefit rate of 6.50% on fuel purchases
  • Good benefit rate of 5% on grocery purchases, utility bills and FASTag recharges
  • Additional benefits, such as complimentary road side assistance, insurance benefits, and deals on partner platforms like Zoom Car and ‘Eco Rent A Car’

Limitations and drawbacks to consider

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

Comparison With Other Credit Cards

Features
IDFC FIRST WOW! Credit Card
Our Rating
       
APPLY NOW
Reward Rates 0.66%

Other benefits Fuel surcharge waiver of 1%
Annual Fee Nil

Annual Fee Offers Nil
Minimum Income Not Specified

Features & Benefits of IDFC HPCL First Power+ Credit Card

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

5% benefit on grocery purchases & utility expenses, on purchases upto ₹4000 per month

You earn 20 reward points worth ₹5, on every ₹100 you spend on grocery & utility spends – only on total purchases upto ₹4000 per month.

1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First Bank’s Rewards Platform.

5% benefit on FASTag, on recharges upto ₹2000 per month

0.50% basic benefit on all other card spends

Emergency complimentary roadside assistance (RSA) package worth ₹1399

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.

Above insurance covers are applicable only for an active card i.e cardholder should have done atleast 1 purchase/ATM withdrawal transaction during the last 30 days, using their IDFC FIRST Bank Credit Card.

For more details, please visit here.

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.

IDFC First customer care

You get 24X7 assistance, please click here to see all available options.

IDFC HPCL First Power+ Credit Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹499
Welcome offers 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 from 2nd year onwards₹499Renewal fee offer : Annual fee is waived off from 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year.

Hence the card is virtually free if you spend ₹1,50,000 or more each 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 ₹1300.

Finance charges
0.75% – 3.65% per month (9% – 43.8% per annum), depending on the profile of the cardholder.

Important note

– 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 First Credit Card Fees & Charges

Eligibility Criteria

Minimum income requirements₹3 lakhs per year
Minimum age18 years
Occupation Salaried, self-employed
Credit scorePreferably above 750

Application Process & Tracking Your Application Status

Step-by-step guide

Online application process 
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 –
Fill out the online application form with basic personal details
Fill out additional details along with basic documents details
Verification and opening of card
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Tracking your application status Click here to track the status of your IDFC Credit Card application.

Necessary documents and verification

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.

In addition to these, you may be asked to provide additional documents on a case to case basis.
Apply Now

on IDFC First Bank website

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