Is the IDFC FIRST HPCL Power+ Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Fuel card
- Needs ₹25,000 a month income
- ₹589 fee a year (with GST)
- Fee waived from ₹12,500 a month
- 0.5% base, up to 5% on utility bills
- 4 lounge visits a year
- Pays in reward points
- fuel only at Hindustan Petroleum: 5% back, up to ₹600 a month
- utility bills: 5% back, up to ₹2,000 a month
- spending ₹12,500 or more a month: the ₹589 fee is waived
- flyers: 4 airport lounge visits a year
- spending abroad: 0% markup, most cards add 3.5%
- you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
- most of your spending is insurance or foreign spends: those earn nothing on this card
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Hindustan Petroleum or utility bills: the 5% rate applies only there, everything else earns 0.5%
Your spend a month, by kind
Terms on the normal rate: 3X (0.5%) base on all other spends
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 0.5% | No cap | The card's normal rate | - |
| Online shopping | 0.5% | No cap | The card's normal rate | - |
| Dining and food delivery | 0.5% | No cap | The card's normal rate | - |
| Groceries | 0.5% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate | - |
| Fuel | 0.5% | No cap | Anywhere else in the category | - |
| Fuel, only at listed merchants | 5% | ₹600 | Only at: Hindustan Petroleum (HPCL)Terms: 30X (~5%) on HPCL fuel, capped at 2,400 RP (₹600) a cycle, about ₹12,000 of fuel spend; non-HPCL fuel earns nothing. HPCL's HP Pay app pays a separate ~1.5% in Happy Coins (600 coins a month on ₹10,000), HPCL's currency, not modelled here | - |
| Bills and recharges | 5% | ₹2,000 | All merchants in the categoryTerms: 30X (~5%) on grocery, utilities and FASTag (FASTag ₹1,000/cycle); the ₹2,000/cycle cap is an unverified issuer cap, bounds the row pending the Product Usage Guide | - |
| Rent | 0.5% | No cap | The card's normal rate | - |
| Insurance premiums | Earns nothing | - | earns nothing on this card | - |
| School and college fees | 0.5% | No cap | The card's normal rate | - |
| Wallet top-ups | 0.5% | No cap | The card's normal rate | - |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| Spend abroad or in a foreign currency | Earns nothing | - | earns nothing on this card | - |
| Everything else | 0.5% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
Short reads that explain how it works before you decide.
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