HPCL IDFC First Power Plus Credit Card - Features, Benefits, Fees & Charges

HPCL IDFC FIRST Power+ Credit Card (4)

Co-Branded Best For: Fuel Expenses
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The HPCL IDFC FIRST Power+ Credit Card is designed with your mobility, utility, and lifestyle needs in mind. You can access its benefits for just ₹499 as a joining and annual fee. This card offers you a range of benefits such as 4% savings on fuel and 1.5% savings on HP App, 5% savings on IDFC FasTag, 5% savings on grocery and utility, 3X rewards on other expenses with reward rates ranging from 0.5% to 5%, movie discounts, and much more! Continue reading to learn more about what this card has to offer.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus
  • ₹500 cashback on 1st transaction of ₹500 or above at HPCL fuel station
  • 5% cashback up to ₹1,000 on the first EMI transaction
Fuel Surcharge

Up to 6.5% savings on your fuel expenses:

  • 4% savings as Rewards on HPCL fuel & LPG expenses of up to ₹10,000 every month 
  • 1.5% savings as Payback Rewards through HP Pay App fueling up to ₹5,000 every month 
  • 1% savings as fuel surcharge waiver on fuel expenses of up to ₹20,000 every month
Lounge Access

Free domestic airport lounge access, once every quarter, on minimum monthly spends of ₹5,000

Travel Benefit
  • Free roadside assistance worth ₹1,399 four times a year
  • ₹500 discount with Zoomcar rentals
  • Up to 50% discount on domestic and international rental cars with Eco Rent-A-Car and Europcar
Dining Benefit

₹150 discount on orders above ₹500 on Swiggy

Entertainment Benefit

25% off on movie tickets up to ₹100, once every month

Reward Points
  • For every ₹150 spent, you earn:

    • 24x Reward Points on HPCL Fuel & LPG

    • 30x Reward Points on Grocery & Utility and IDFC FASTag recharge

    • 3x Reward Points on other retail transactions

  • 1 Reward Point = ₹0.25

  • Reward Rate- 0.5% to 5%

Insurance Benefit
  • Personal Accident Cover of ₹2,00,000
  • Lost Card Liability Cover of ₹25,000
Other Benefit
  • Interest-free cash withdrawal
  • Free add-on card
Fee and Charges

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

Charges

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

42.00%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

₹199

Cash Advance Limit

NA

Card Replacement Fee

₹100

Foreign Transaction Fee

3.5%

Over Limit Penalty

2.5%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25
Late Payment Charges

Any Amount Due

15% of Total Amount Due subject to a minimum of ₹100 and a maximum of ₹1,250.
Pros

Aspects that make this credit card amazing.

  1. Affordable joining and annual fee of ₹499.
  2. Decent savings on fuel expenses.
  3. Accelerated rewards on groceries, utilities, and FASTag recharges.
  4. No expiry of reward points.
  5. Offers reward points on UPI transactions. Offers additional perks like free roadside assistance and insurance coverage.
Cons

Aspects this credit card lacks.

  1. Limited domestic lounge access.
  2. No international lounge access is provided.
  3. It does not offer golf benefits.
HPCL IDFC FIRST Power+ Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(4)

Rewards

(4)

Customer Service

(3.5)

HPCL IDFC FIRST Power+ Credit Card Review

The HPCL IDFC FIRST Power+ Credit Card is a co-branded fuel credit card that offers a range of benefits to loyal HPCL fuel customers. This card offers a 4% savings on HPCL fuel and LPG expenses, 1.5% savings as Payback Rewards through HP Pay App fueling, and 1% savings as fuel surcharge waiver on fuel expenses. 

Additionally, it allows you to earn 4X reward points on grocery and utility spending and 2X reward points on IDFC FIRST FASTag recharges. The card has a low annual fee of ₹500 and no reward points expiry.

In summary, the HPCL IDFC FIRST Power+ Credit Card is an excellent option for frequent fuel spenders who wish to maximise their fuel savings. This card's low annual fee, generous fuel rewards, and additional benefits make it a highly competitive option in the fuel credit card market.

Cards similar to HPCL IDFC FIRST Power+ Credit Card if you want to save on fuel expenses:

  1. ICICI HPCL Super Saver Credit Card
  2. Indian Oil Axis Bank Credit Card
  3. Indian Oil HDFC Bank Credit Card
  4. BPCL SBI Octane Credit Card

Overview

Joining and Annual Fee

₹499 plus applicable taxes 

Best For

Fuel Expenses

Reward Rate

0.5% to 5%

Welcome Bonus

  • ₹500 cashback on 1st HPCL fuel transaction of ₹500 and above (within 30 days of card set up)

  • 5% cashback up to ₹1,000 on your first EMI conversion within 30 days of card activation

Card Type

Co-branded Credit Card

Reward Points on HPCL IDFC FIRST Power+ Credit Card

Spend Category

Reward Point Rate

HPCL Fuel and LPG

24 RP per ₹150 spent

Grocery and Utility

30 RP per ₹150 spent

IDFC FASTag recharge

30 RP per ₹150 spent

Other retail transactions

3 RP per ₹150 spent

Who should get an HPCL IDFC FIRST Power+ Credit Card?

The HPCL IDFC FIRST Power+ Credit Card is a good option for the following people:

  • Frequent HPCL fuel spenders
  • Grocery and utility spenders
  • IDFC FIRST FASTag users
  • People who are looking for a low-annual-fee fuel credit card
  • People who want to earn rewards that can be redeemed for fuel discounts or other rewards

How to apply for an HPCL IDFC FIRST Power+ Credit Card?

There are three ways to apply for an HPCL IDFC FIRST Power+ Credit Card:

Online Application:

  • On the IDFC FIRST Bank website, click on 'HPCL IDFC FIRST Power+ Credit Card' under the credit cards section.
  • Click on the ‘Apply Now' button.
  • Enter your mobile number and click on 'Verify.'
  • Provide your personal details, including name, date of birth, contact information, and occupation.
  • Enter your income and employment details.
  • Review and confirm your application details.
  • Accept the terms and conditions and submit the application.

Mobile Banking App:

  • Open the IDFC FIRST Bank mobile banking app and log in.
  • Navigate to the 'Credit Cards' tab.
  • Select the 'HPCL IDFC FIRST Power+ Credit Card' and click on 'Apply Now'.
  • Enter your mobile number and click on 'Verify'.
  • Provide your personal details, including name, date of birth, contact information, and occupation.
  • Enter your income and employment details.
  • Review and confirm your application details.
  • Accept the terms and conditions and submit the application.

Branch Application:

  • Visit your nearest IDFC FIRST Bank branch.
  • Inform the customer service representative that you wish to apply for the HPCL IDFC FIRST Power+ Credit Card.
  • Provide your personal details, income and employment details, and the required documents.
  • Review and confirm your application details.
  • Sign the application form and accept the terms and conditions.

Once you have submitted your application, IDFC FIRST Bank will review your details and check your creditworthiness. The processing time typically takes 7-10 business days.

HPCL IDFC FIRST Power+ Credit Card Eligibility

You can apply for an HPCL IDFC FIRST Power+ Credit Card if you meet the eligibility criteria below:

  • You must be at least 21 years old
  • You must be an Indian citizen
  • You must have a healthy credit score
  • Your credit usage ratio must be within an acceptable level
  • You must have an Annual Income of ₹3 lakh or more

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), Latest Form 16, and the Last 3 months’ bank statement.
IDFC FIRST Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

IDFC FIRST Bank

IDFC FIRST Bank Credit Card Customer Care Number:

1860 500 9900

IDFC FIRST Bank Card Offers:

View Offers

Total Cards:

27,43,113
IDFC FIRST Bank Credit Card News
02 May 2024, Thursday
1. IDFC First Bank implements utility transaction fee change

IDFC First Bank has declared that starting May 1, 2024, there will be a modification in its policy for credit card payments of utility bills. As per the revised policy, a 1% surcharge, along with GST, will be levied on credit card payments for utility bills that exceed Rs. 20,000 in a statement cycle. However, this additional charge will not be applicable for transactions made with the FIRST Private Credit Card, LIC Classic Credit Card, and LIC Select Credit Card.

04 Apr 2024, Thursday
2. IDFC First Bank Announces Credit Card Devaluation.

IDFC First Bank announced a devaluation of their credit card rewards program, effective from 1 May 2024. Here's a breakdown of the key changes:

  • Reduced reward points: Across all cards, reward points are now earned at a rate of 3 points per every Rs. 150 spent, compared to the previous system that offered higher points for specific categories like online shopping.

  • Lounge access changes: For most cards, complimentary airport lounge access now requires a minimum spend of Rs. 20,000 in the previous calendar month.

  • Charges on utility bill payments: A 1% surcharge applies to total utility bill payments exceeding Rs. 20,000 in a statement cycle (except for Private, LIC Classic and LIC Select cards).

  • Rent payments: A fee of Rs. 249 or 1% (whichever is higher) is charged on rent payments made through the credit card.

There are some exceptions to these changes, particularly for the IDFC FIRST Bank Private Credit Card, which remains largely unaffected.

15 Dec 2023, Friday
3. LIC Cards, IDFC First Bank, and Mastercard Join Hands to Launch Co-Branded Credit Cards.

IDFC First Bank, LIC Cards, and Mastercard have announced their joint venture to launch an exclusive co-branded credit card to cater to the dynamic financial needs of the country. In a joint statement released on Thursday, the credit card comes in two variants - LIC Classic and LIC Select. The credit cards offer policyholders across the country an opportunity to save reward points on every LIC insurance premium payment.
Apart from the reward points, the credit card also comes with a host of other benefits, including up to Rs 50,000 cover for lost card liability and personal accident insurance cover of up to Rs 5 lakh. The additional benefits will be extended to LIC policyholders who opt for this credit card, along with co-brand benefits. This initiative is expected to benefit more than 27 crore policyholders across India. 
 

11 Apr 2023, Tuesday
4. IDFC FIRST Bank launches co-branded fuel credit card

Targeting the lifestyle needs of its consumers, as well as improving their savings on mobility and utility spends, IDFC FIRST Bank has partnered with HPCL to launch two co-branded cards. The two new cards are being named FIRST Power and FIRST Power+. Bankers can apply for the FIRST Power and FIRST Power+ cards through the bank’s website, its app for select bank branches, and select HPCL pumps and stations.

HPCL IDFC FIRST Power+ Customer Reviews

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Frequently Asked Questions

To be eligible for the HPCL IDFC FIRST Power Plus Credit Card, you must meet the following criteria:

Primary Eligibility Criteria:

  • Be an Indian Citizen
  • Age should be at least 21 years
  • Annual income should be Rs.3 lakh or more

You can apply for FIRST Power+ Credit Card if you meet the eligibility criteria below:

  • You must be at least 21 years old
  • You must be an Indian citizen
  • You must have a healthy credit score
  • Your credit usage ratio must be within an acceptable level
  • You must have an Annual Income of ?3 lakh or more

The HPCL IDFC FIRST Power Plus Credit Card offers a range of benefits, including:

Fuel savings:

  • 24X reward points on HPCL fuel and LPG, which can be redeemed for fuel discounts or other rewards
  • 1% fuel surcharge waiver
  • 5% savings on HP Pay App fuel transactions

Grocery and utility savings:

  • 30X reward points on grocery and utility spends

Other retail savings:

  • 3X reward points on other retail transactions

Welcome benefits:

  • Rs.500 cashback on first fuel transaction of Rs.250 or more
  • 5% cashback up to Rs.1,000 on first EMI transaction

Lifestyle privileges:

  • Complimentary Roadside Assistance (RSA) all over India, up to 4 times in a year
  • 25% discount up to Rs.100 on movie tickets on Paytm Mobile App
  • Zoomcar discounts
  • Eco Rent A Car discounts

Other benefits:

  • Lost card liability coverage worth ?25,000
  • Low and dynamic interest rates starting at 9% per annum
  • Get rewarded for every UPI transaction

You will be eligible to apply only for FIRST Power+ credit card if you already hold any of IDFC FIRST Bank Credit Cards.

However the credit limit is shared with all of your existing IDFC FIRST Bank Credit Cards if any.

A separate statement will be generated for your new credit card as per the applicable statement date. Please ensure to make the payment as per the statement.