IDFC First Power HPCL Credit Card

Overview

Updated On: October 6, 2026 | AB Published by: Amit B | 2 min read

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 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.

Pros

High reward rate on fuel spend at nominal joining and annual fee
Good value back on FasTag. There are very few other credit card which give good value back on FasTag

Cons

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.

Fees & Charges

Joining / Annual Fee ₹ 235

Renewal Fee ₹ 235

Annual Spend Target for Fee Waiver ₹ 50,000

Minimum Annual Income Required ₹ 300,000

Rewards and Benefits

Reward Rate

5% on Fuel, 2.5% on FasTag, 2.5% on Grocery & Utility Bills, 0.33% on Other Spend

Base Reward Rate

0.33%

Accelerated Reward Rate

5%

Welcome Benefits

Rs.250 Cashback on 1st transaction of Rs.250 or above at HPCL fuel station; 5% Cashback up to Rs.1,000 on 1st EMI Transaction

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

Fuel: 5% Valueback on Fuel spend at HPCL fuel stations. On HPCL fuel stations, you get 21X Rewards.
- 1X = 1 Reward per Rs.150
- 1 Reward= Rs.0.25
- So, you get 21 Reward Points per Rs.150 Spend on HPCL Fuel which translate into 3.5% 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 5%.
- Maximum spend of upto Rs.5000 per statement cycle, gives this value back (upto Rs.325 value back per monthly statement cycle).
FasTag Recharge: 2.5% Valueback on recharge of IDFC FasTag through IDFC Mobile App. Maximum 200 Reward Points per month (=Rs.50)
Grocery and Utilities: 2.5% Valueback on Grocery and Utility Bills. Maximum 400 Reward Points per month (=Rs.100)
Other Spend: 0.33% Unlimited Valueback on Other Spend including UPI

Rewards 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.

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Railway Lounge Access

Movie Benefits

Dining Benefits

Golf Benefits

Lifestyle Benefits Details

- Road- Side Assistance: Complimentary Road- Side Assistance 4 times in a year worth Rs.1,399
- Personal Accident Insurance: Rs.2 Lakh Personal Accident Insurance Cover
- Lost Card Liability Cover of Rs.25,000
- Outstanding Credit Insurance: Outstanding credit upto Rs.50,000 is insured in case of death of card-holder.

Purchase Protection: Upto Rs.25,000 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.

Features & Benefits

Reward Points

Airport Lounge

Utility Bills

NPS

Education

Government Payment

Rent

Gift Cards

Jewellery

Wallet Load

Cashback

Airmiles

Insurance

Fuel

Rewards on EMI

No Cashback / Rewards Categories

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.

Ratings & Reviews

3.6

Overall Rating

Reward Rate

4/5

Lifestyle Benefits

3/5

Ease of Reward Redemption

3/5

Value For Money

4/5

Customer Service

4/5

Detailed Review

The IDFC First Power Credit Card comes at very nominal joining and rental fee but is highly rewarding options for fuel purchases. It's also an goodt 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 with low annual fee that maximizes your fuel spend, the IDFC First Power Credit Card could be an ideal fit.

Eligibility & Important Info

Eligibility Criteria

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

Important Links

IDFC First Rewards Portal to redeem reward points and to get accelerated points on shopping from popular e-commerce sites and get giftrcards: https://www.firstrewards.com (1 Reward Points = Rs.0.25)
Giftcard purchase / redemption portal for IDFC Credit Cards: https://idfcfirstrewards.poshvine.com/giftcards
IDFC Power Credit Card Insurances and Road Side Assistance Benefits: https://bit.ly/3yYsd4U