IDFC First Bank Power Plus HPCL Credit Card
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IDFC First Power Plus HPCL Credit Card

(3.8/5)
Best For: ,,
From:
IDFC FIRST Bank
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The IDFC First Power+ Credit Card, a co-branded card from IDFC First Bank and Hindustan Petroleum (HPCL), is tailored for those looking to maximize their fuel savings. With up to 6.5% value back on fuel purchases at HPCL stations, it’s a powerful tool for frequent drivers. Beyond fuel, this RuPay card extends its benefits to FasTag recharges, groceries, and utility payments, and it can also be used for UPI QR code transactions as it comes on RuPay network, making it a versatile addition to your wallet.

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining & Renewal Benefits

Joining Benefits

  • Rs.500 cashback on 1st HPCL fuel transaction of ₹500 or above in first 30 days after card set-up
  • 5% cashback (up to Rs.1,000) on the transaction value of 1st EMI conversion in first 30 days after card set-up
  • Rs.1000 discount on Zoomcar rentals
  • Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar

Renewal Benefits

  • No Renewal Benefits

Cashback and Rewards

  • Fuel: 6.5% Valueback on Fuel spend at HPCL fuel stations. On HPCL fuel stations, you get 30X Rewards.
    • 1X = 1 Reward per Rs.150
    • 1 Reward= Rs.0.25
    • So, you get 30 Reward Points per Rs.150 Spend on HPCL Fuel which translate into 5% Valueback.
    • Additionally, you get 1.5% savings per Rs.100 as payback points on all fuel
      purchases through HP Pay App by HPCL
    • So, total effective value back on spend on fuel at HP fuel stations is 6.5%.
    • Maximum 2400 Reward Points per month on HP fuel (=Rs.600)
  • Fastag: 5% Valueback on recharge of IDFC FasTag through IDFC Mobile App. Maximum 200 Reward Points per month (=Rs.50)
  • Grocery and Utility Bills: 5% Valueback on Grocery and Utility Bills. Maximum 400 Reward Points per month (=Rs.100)
  • Other Spend: 0.5% Unlimited Valueback on Other Spend including UPI

Lifestyle Benefits

  • Airport Lounge Access: 4 Domestic Airport Lounge Access per year (1 per quarter). To use this free lounge access, you must spend Rs.20,000 in previous calendar month. Lounge access can be used by Add-on card users also.
  • Movie Tickets: 25% discount on movie tickets up to Rs.100 once every month on Paytm App (Promocode IDFCCCFM)
  • Road- Side Assistance: Complimentary Road- Side Assistance 4 times in a year worth Rs.1,399
  • Insurances
    • Rs.2 Lakh Personal Accident Insurance Cover
    • Lost Card Liability Cover of Rs.25,000
    • Outstanding credit upto Rs.50,000 is insured in case of death of card-holder.
    • Purchase Protection: Upto Rs.50,000 Cover against Standard Fire and Allied perils and Burglary in residential premises of the cardholder as per the records of the Bank only. Cover is valid for 60 days from the date of purchase.

Fuel Surcharge Waiver

No fuel surcharge waiver with this card.

Forex Mark-up Transaction

3.5% plus GST (4.13%)

Joining & Renewal Benefits

Joining Benefits

  • Rs.500 cashback on 1st HPCL fuel transaction of ₹500 or above in first 30 days after card set-up
  • 5% cashback (up to Rs.1,000) on the transaction value of 1st EMI conversion in first 30 days after card set-up
  • Rs.1000 discount on Zoomcar rentals
  • Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar

Renewal Benefits

  • No Renewal Benefits

Cashback and Rewards

  • Fuel: 6.5% Valueback on Fuel spend at HPCL fuel stations. On HPCL fuel stations, you get 30X Rewards.
    • 1X = 1 Reward per Rs.150
    • 1 Reward= Rs.0.25
    • So, you get 30 Reward Points per Rs.150 Spend on HPCL Fuel which translate into 5% Valueback.
    • Additionally, you get 1.5% savings per Rs.100 as payback points on all fuel
      purchases through HP Pay App by HPCL
    • So, total effective value back on spend on fuel at HP fuel stations is 6.5%.
    • Maximum 2400 Reward Points per month on HP fuel (=Rs.600)
  • Fastag: 5% Valueback on recharge of IDFC FasTag through IDFC Mobile App. Maximum 200 Reward Points per month (=Rs.50)
  • Grocery and Utility Bills: 5% Valueback on Grocery and Utility Bills. Maximum 400 Reward Points per month (=Rs.100)
  • Other Spend: 0.5% Unlimited Valueback on Other Spend including UPI

Lifestyle Benefits

  • Airport Lounge Access: 4 Domestic Airport Lounge Access per year (1 per quarter). To use this free lounge access, you must spend Rs.20,000 in previous calendar month. Lounge access can be used by Add-on card users also.
  • Movie Tickets: 25% discount on movie tickets up to Rs.100 once every month on Paytm App (Promocode IDFCCCFM)
  • Road- Side Assistance: Complimentary Road- Side Assistance 4 times in a year worth Rs.1,399
  • Insurances
    • Rs.2 Lakh Personal Accident Insurance Cover
    • Lost Card Liability Cover of Rs.25,000
    • Outstanding credit upto Rs.50,000 is insured in case of death of card-holder.
    • Purchase Protection: Upto Rs.50,000 Cover against Standard Fire and Allied perils and Burglary in residential premises of the cardholder as per the records of the Bank only. Cover is valid for 60 days from the date of purchase.

Fuel Surcharge Waiver

No fuel surcharge waiver with this card.

Forex Mark-up Transaction

3.5% plus GST (4.13%)

Reward Redemption

  • Redeem on any online transaction on the payment screen
  • Redeem at some offline merchants
  • Redeem reward points for gift card and OTT subscription through following portal: https://idfcfirstrewards.poshvine.com/giftcards
  • Unfortunately, there is a reward redemption charge of Rs.99+GST (Rs.117 including GST) per redemption. So, it is advisable to redeem reward points only when you would have accumalated quantity of reward points.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 589
Renewal fee
(INR including GST)
₹ 589
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 150000

Pros

Aspects that make this credit card amazing.

  • Very high reward rate on fuel spend
  • Very good value back on FasTag. There are very few other credit card which give good value back on FasTag

Cons

Aspects this credit card lacks.

  • Its base reward rate on other spend is very low. But this should not be very concerning as this is a fuel credit card and is not recommended for other kind of spend.
  • There is reward redemption charge of Rs.117 including GST. Nowadays, most of the credit cards have discontinued such redemption charges.

Spend Categories with No Cashback / Rewards

No reward points on following spend

  • Fuel purchases done at fuel stations other than HPCL fuel stations
  • EMI
  • Cash withdrawal
  • Insurance
  • Reward points are also excluded on HPCL fuel, utility & grocery spends and IDFC FIRST FASTag recharges beyond monthly capping.

Add-on Cards

Free Add-on credit card available for close family members

Eligibility Criteria

  • Age: 18 years or above
  • Indian nationals and Non-Resident Indians 
  • Income: Rs.3 Lacs or above

Important Links

Upcoming Changes

N/A

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

(3.8/5)

SpendWisely’s Rating for this Credit Card

(3.8/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value
(4)
Lifestyle Benefits
(4)
Ease of Reward Redemption
(3)
Value for Money
(4)
Customer Service
(4)

The IDFC First Power+ Credit Card stands out as one of the most rewarding options for fuel purchases. It’s also an excellent choice for those seeking a credit card for FasTag payments. Beyond fuel, this card offers significant value on utility bills and grocery purchases. Since it operates on the RuPay payment network, it can also be used for UPI payments, adding another layer of convenience. If you frequently refuel at HPCL stations and are looking for a card that maximizes your fuel spend, the IDFC First Power+ Credit Card could be an ideal fit.

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