About HPCL IDFC FIRST Power Credit Card
IDFC FIRST Bank, in partnership with HPCL, offers two co-branded fuel credit cards—HPCL IDFC FIRST Power and Power Plus. This page covers the base variant, HPCL IDFC FIRST Power, which is an entry level credit card designed for everyday savings.
This IDFC credit card comes with a low annual fee of ₹199 and an easy waiver condition of ₹50,000 per year. It offers savings of up to 5% on fuel spends, making it a good option for regular fuel users. Along with fuel benefits, the card also provides rewards on grocery, utility payments, FASTag recharges, and UPI transactions, making it useful for daily expenses.
HPCL IDFC FIRST Power Credit Card Rewards Program
Rewards Earning:
- Get 3.5% savings on fuel with 21 reward points per ₹150 (up to 700 points per cycle)
- Earn 1.5% back via HP Pay with 6 Happy Coins per ₹100 (up to 600/month)
- Get 2.5% savings on grocery & utility spends with 15 points per ₹150 (up to 400 per cycle)
- Earn 2.5% on FASTag recharges with 15 points per ₹150 (up to 200 per cycle)
- Enjoy up to 8.67% savings on travel with 52 points (hotels) and 32 points (flights) per ₹150 via app
- Earn 2 reward points per ₹150 on other spends (uncapped)
- Redeem points at ₹0.25 per point
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefits
- Get a ₹250 gift voucher on your first HPCL fuel transaction
- Enjoy 5% cashback (up to ₹1,000) on your first EMI conversion
Fee Waiver
- Get annual fee waiver on spending ₹50,000 in the previous year
Also Read: Best Fee Waiver Credit Cards in India for 2026
Roadside Assistance
- Avail complimentary roadside assistance worth ₹1,399 up to 4 times a year
Insurance Cover
- Get personal accident cover of ₹2 lakh and lost card liability cover of ₹25,000
Fees and Charges
| Fee Type | Amount |
|---|
| Joining/Annual Fee | Rs. 199 |
| Add-on Card Fee | Nil |
| Interest Rate | 0.71% to 3.85% p.m. | 8.5% to 46.2% p.a. |
| Late Payment Charges | Rs. 100 or 15% of total amount due (up to Rs. 1,300), whichever is higher |
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Document Required For HPCL IDFC FIRST Power Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
HPCL IDFC FIRST Power Credit Card Highlights
What do we like about this card?
- Get up to 3.5% savings on fuel and 1.5% back via HP Pay
- Earn up to 2.5% savings on groceries, utilities and FASTag recharges
- Enjoy up to 8.67% savings on travel bookings via the app
- Earn reward points on all spends with uncapped earnings on regular transactions
- Redeem reward points at ₹0.25 per point
- Get ₹250 fuel voucher and 5% cashback (up to ₹1,000) on first EMI transaction
- Enjoy annual fee waiver on spending ₹50,000
- Get roadside assistance worth ₹1,399 up to 4 times a year
- Get personal accident cover of ₹2 lakh and lost card liability cover of ₹25,000
Things to Know Before you apply
Get this card if:
- You regularly spend on fuel and want to save on your daily travel costs
- You prefer using HPCL fuel stations for your fuel needs
- You want a low annual fee fuel credit card
- You are comfortable redeeming reward points for fuel purchases
Pros
- Low annual fee makes it affordable
- Easy annual fee waiver condition
- Up to 5% savings on fuel spends
- Extra benefits on travel, grocery, utilities, and FASTag spends
- Activation benefits worth more than the joining fee
Cons
- Part of fuel savings comes via HP Pay (Happy Coins), which may feel complex
- Rewards come with minimum spend conditions
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
You can link the card to any UPI app like BHIM, PhonePe, Paytm, or Google Pay. After linking, you can scan QR codes and make payments easily.
You should have a minimum annual income of ₹3 lakh. You must also be at least 21 years old with a good credit score.
No, the base variant does not provide lounge access. This benefit is available only on the Plus variant.
Yes, you can earn rewards on UPI payments, but the benefits may vary depending on the platform used.
Yes, it is a good option for regular fuel users, especially if you prefer HPCL fuel stations and want to save on fuel spends.
