HPCL IDFC FIRST Power and Power Plus Credit Cards: Fuel cards with benefits on utilities and grocery spends

Reward Benefits

On Fuel Spends:

• 3.5% savings via Power card variant as 21 rewards points per Rs. 150 spends on HPCL fuel, up to 700 rewards in a statement cycle
• 5% savings via Power+ card variant as 30 rewards points per Rs. 150 spends on HPCL fuel, up to 2,400 rewards in a statement cycle
• 1.5% savings as 6 Happy Coins per Rs. 100 fuel spends through HP Pay App, up to 600 Happy Coins per month. This feature is applicable on credit card payments made by scanning the HP Pay QR code at select HPCL fuel stations via HP Pay App. While only 3 Happy Coins per Rs. 100 are earned on HP Pay Wallet upload.

Here, the earned reward points are credited in the card statement and Happy Coins are credited in the HP Pay app.

On Grocery & Utility Spends:

• 2.5% savings via Power credit card as 15 Reward points per Rs. 150 spends, up to 400 rewards per statement cycle
• 5% savings via Power+ credit card as 30 Reward points per Rs. 150 spends, up to 400 rewards per statement cycle

On IDFC FIRST FASTag Recharge:

• 2.5% savings via HPCL Power card as 15 Reward points per Rs. 150 spends, up to 200 rewards per statement cycle
• 5% savings via HPCL Power+ card as 30 Reward points per Rs. 150 spends, up to 200 rewards per statement cycle

On UPI and Other Retail Spends:

• Uncapped 2 reward points per Rs. 150 via IDFC FIRST Power credit card
• Uncapped 3 reward points per Rs. 150 via IDFC FIRST Power Plus credit card

Excluded Categories: Insurance premiums, non-HPCL fuel, EMI transactions and ATM cash withdrawals are ineligible for earning reward points. Moreover, the spends made on HPCL fuel, LPG, grocery, utility and IDFC FIRST FASTag recharges are not going to accrue any reward points beyond the monthly capping as mentioned above.

Welcome Benefits

IDFC FIRST HPCL Power and Power Plus credit cards come with several joining offers which are applicable during certain time-periods only, that is, until 31st March 2025.

Fuel Cashback: You can avail cashback on 1st HPCL fuel transactions done within the first 30 days of card set-up.

• Rs. 250 cashback on the 1st HPCL fuel transactions of minimum Rs. 250 via HPCL Power card
• Rs. 500 cashback on the 1st HPCL fuel transaction of minimum Rs. 500 via HPCL Power Plus card

Zoomcar Discount: Rs. 1,000 off on Zoomcar self-drive car on minimum rental duration of 2 days using the promocode ALIDFCFIRST.

EMI Cashback: Cardholders get 5% cashback of up to Rs. 1,000 on their first EMI conversion done within 30 days of card set up. This offer is applicable on all transactions worth Rs. 2,500 or above that are converted to EMIs of min. 6 months tenure, except jewellery and fuel spends.

Eco Rent A Car & Europcar Discount: IDFC FIRST HPCL credit cards offer up to 50% off on chauffeur driven cars rented via IDFC FIRST Bank Eco Rent A Car platform. The details are as follows:

Other Benefits & Features

• Annual Fee Waiver: Annual fee is waived off on Rs. 50,000 annual spends for HPCL Power cardholders and on Rs. 1.5 lakh annual spends for HPCL Power+ cardholders.
• Airport Lounge Access: IDFC FIRST Power Plus offers 1 complimentary visit to domestic airport lounge once every calendar quarter on minimum monthly spends of Rs. 20,000.
• Movie Discount: 25% off, up to Rs. 100, on movie tickets once per month via Power Plus credit card.
• Roadside Assistance: Complimentary roadside assistance worth Rs. 1,399 up to 4 times in a year.
• Insurance Cover: Get personal accident cover worth Rs. 2 lakh and lost card liability cover worth Rs. 25,000

IDFC FIRST Power Credit Card and its Power Plus variant are suitable for those who spend considerably on fuel and prefer HPCL over other fuel brands. These give decent savings on fuel, household-related categories including groceries, utility bills and food delivery, and other lifestyle spends, like dining and movies.

Moreover, both cards come at a low annual fee and also offer easily achievable waiver conditions even for a low spender which is an added advantage for those who do not wish to pay any card annual charges.

Opt for this card if:

• You are an HPCL loyalist
• You regularly commute with your vehicle and spend a significant amount on fuel
• You want a fuel card with low annual fee
• You are okay with using your earned reward points for fuel purchases
• You want a card with lucrative welcome benefits that surpass the card annual fee

Look for other card options if:

• You do not want any limitations on your reward points earning
• You want a card with more extensive lifestyle benefits
• You prefer to get direct cashback over reward points
• You are looking for savings options on international spends and other such spending categories