IDFC First Bank
IDFC FIRST HPCL Power+ Credit Card
Data last verified: 27 October 2026
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Reward rate0.5% base, up to 5% on utility bills
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Fee waiverOn ₹1,50,000 spend a year
- Forex markup0%
This is a fuel card first. You earn about 5% back in points at HPCL pumps, capped at Rs 600 of rewards a month, and about 5% on grocery and utility bills within a monthly limit. Everything else earns about 0.5%. It runs on RuPay, so you can link it to UPI.
It costs ₹499 a year and the fee is waived once you spend ₹1,50,000 in the year. If you fill up regularly at HPCL, the fuel rewards alone cover the fee in a month or two.
It suits people who drive daily and fill up at HPCL. The catch is the low 0.5% on everything else, so it works best as a second card for fuel and bills rather than your main card.
Best for: Daily drivers who fill up at HPCL, Households with regular utility bills, People who want a low-fee card that works on UPI.
01IDFC FIRST HPCL Power+ Credit Card Rewards and Benefits
02IDFC FIRST HPCL Power+ Credit Card Annual Fee and Charges
- Joining fee
- ₹499 + GST
- Annual fee
- ₹499 + GST
- Spend-based waiver
- Annual fee waived on ₹1,50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 0%
- Interest rate
- Not published
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on bills and recharges, earning 5%₹250
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹3,900 a year₹325
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹3,900
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- 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%
Skip it if…
- 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%
04Product Details
- Joining and annual fee: ₹499 each
- Fee waived on ₹1,50,000 annual spend
- About 5% back at HPCL pumps, up to ₹600 a month
- About 5% on grocery and utility bills, within a monthly limit
- 4 domestic airport lounge visits a year (1 a quarter) after ₹20,000 spend in the previous month
- RuPay card that works with UPI
05Pros and Cons
Pros
- Strong 5% value on HPCL fuel
- 5% on grocery and utility bills too
- Low fee that is easy to waive
- Links to UPI apps
Cons
- Only 0.5% on everyday spends outside fuel, grocery and bills
- Fuel rewards capped at ₹600 a month
- Lounge access needs ₹20,000 spend in the previous month
06How IDFC FIRST HPCL Power+ Credit Card earns Rewards
0.5% base, up to 5% on utility bills.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base rate. 3X (0.5%) base on all other spends
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07IDFC FIRST HPCL Power+ Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 20,000 in the previous month for domestic lounge access. Spending abroad carries a 0% forex markup; rewards on it: earns nothing. See what it costs on your trip
Also on the card. concierge service, airport lounge access, movie ticket offers.
- Concierge service: Complimentary roadside assistance programme worth ₹1,399
- Airport lounge access: 1 complimentary domestic airport lounge visit a quarter on ₹20,000 of monthly spend
- Movie ticket offers: 25% off movie tickets up to ₹100 a month, on any transaction in the previous calendar month (w.e.f. 18-Jun-2026)
08IDFC FIRST HPCL Power+ Credit Card Eligibility and Documents
- Age
- 21 years and above
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹25,000
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)
09Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 26 Oct 2026 | Reduced: International spends stop earning reward pointsSource: IDFC First Bank | Reward points on international spends at the card's own rate | No reward points on international spends |
| 15 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 9 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 18 Jan 2026 | Changed: Bonus reward points on travel booked in the IDFC FIRST appSource: IDFC First Bank | No app-booking bonus | 50X bonus on hotels, 30X bonus on flights |
| 18 Jan 2026 | Reduced: Fair-usage fees on heavy FASTag and railway spendsSource: IDFC First Bank | No FASTag or railway spend fee | 1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle |
See all 7 changes on this card → · All card changes in October 2026 →
10Cards Similar to IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST HPCL Power+ Credit Card is a fuel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IDFC FIRST HPCL Power+ Credit Card |  SBI BPCL Credit Card |  SBI BPCL Octane Credit Card |
|---|---|---|---|
| Joining fee | ₹499 + GST | ₹499 + GST | ₹1,499 + GST |
| Annual fee | ₹499 + GST | ₹499 + GST | ₹1,499 + GST |
| Rewards | 0.5% base, up to 5% on utility bills | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | 0.25% base, up to 2.5% on dining; 6.25% only at partner merchants |
| Domestic lounge | 4 visits a year | Not included | 4 visits a year |
| Forex markup | 0% | 3.5% | 3.5% |
| Type | Fuel | Fuel | Fuel |
11Explore More
Card facts last verified 27 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IDFC FIRST HPCL Power+ Credit Card Bill
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Common Questions
Is the ₹499 fee waived?
Yes, once you spend ₹1,50,000 in a year. Below that the fee plus GST is charged.
How much do I save on HPCL fuel?
About 5% back in reward points at HPCL pumps, capped at ₹600 of rewards in a statement cycle.
Can I use this card on UPI?
Yes. It is a RuPay card, so you can link it to UPI apps and pay by scanning QR codes.
Does it give lounge access?
One domestic airport lounge visit each quarter, 4 a year, if you spent ₹20,000 in the previous month.
What is the joining fee for the IDFC FIRST HPCL Power+ Credit Card?
The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IDFC FIRST HPCL Power+ Credit Card?
The annual fee is ₹499 + GST.
Does the IDFC FIRST HPCL Power+ Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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