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IDFC FIRST Power+ Credit Card
Rewards
Fuel
1st Year Fee: ₹499* Plus Applicable Taxes
Entry-Level Card
Low joining and annual fee of Rs. 499
Fuel Benefits
6.5% savings on fuel spends as reward points
Travel
Up to 8.83% savings on travel via IDFC FIRST app
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About HPCL IDFC FIRST Power Plus Card
IDFC FIRST Bank offers two co-branded fuel credit cards with HPCL- Power and Power Plus. IDFC FIRST Power Plus Credit Card is the upgraded variant and stands out by offering a 6.5% return through rewards and loyalty points on fuel spends. While competitors like Indian Oil RBL XTRA and BPCL SBI Card Octane provide higher returns, they come with higher fees, making IDFC FIRST Power Plus an excellent option in its fee range.
Beyond fuel, it also provides accelerated rewards on groceries, utility bill payments, and FASTag recharges, along with benefits like complimentary airport lounge access, movie vouchers, roadside assistance, etc. Consumers seeking significant savings on their fuel expenses, along with saving on other everyday spending, can consider applying for this credit card.
Rewards Structure:
- 5% savings on fuel spends: 30 rewards points per Rs. 150 spent on HPCL fuel, up to 2400 rewards in a statement cycle
- 1.5% savings through HP Pay App: 6 Happy Coins per Rs. 100 on fuel spends through HP Pay App, up to 600 Happy Coins per month
- 5% savings On Grocery & Utility Spends: 30 reward points per Rs. 150 spent, up to 400 rewards per statement cycle
- 5% savings On IDFC FIRST FASTag Recharge: via HPCL Power card as 30 reward points per Rs. 150 spent, up to 200 rewards per statement cycle
- Up to 8.83% savings on travel: 53 reward points per Rs. 150 spent on hotels and 33 points per Rs. 150 spent on flights through Travel & Shop section on IDFC FIRST Mobile App
- Uncapped 3 reward points per Rs. 150 via IDFC FIRST Power credit card
T&C apply.1,2
Other Features & Benefits :
- Welcome Benefits:
- Rs. 500 gift voucher on the 1st HPCL fuel transaction3,4
- 5% cashback of up to Rs. 1,000 on first EMI conversion5
- 1 complimentary visit to domestic airport lounge every calendar quarter on minimum monthly spends of Rs. 20,000
Suggested Read: International lounge access credit cards
- 25% off, up to Rs. 100, on movie tickets once per month on Paytm Mobile app using code IDFCCCFM
- Annual fee waiver on spending Rs. 1.5 lakh in the previous year
- Complimentary roadside assistance worth Rs. 1,399 up to 4 times in a year
- Personal accident cover worth Rs. 2 lakh and lost card liability cover worth Rs. 25,000
HPCL IDFC FIRST Power Plus Credit Card : Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining/Annual Fee | Rs. 499 + Applicable Taxes |
| Add-on Card Fee | Nil |
| Interest Rate | 0.71% to 3.85% p.m. | 8.5% to 46.2% p.a. |
| OVL Charges | 2.5% of the over-limit amount ( minimum Rs. 550) |
| Late Payment Charges | 15% of total amount due (min. Rs. 100, max. Rs. 1,300) |
Things to Know Before you apply
Get this card if:
You are an HPCL loyalist
You want a fuel card with low annual fee
You regularly commute with your vehicle and spend a significant amount on fuel
You are okay with using your earned reward points for fuel purchases
Other Similar Cards:
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What do we like about this card?
Despite being a fuel credit card, the card extends accelerated benefits to other household-related spends, like grocery and utility bills. Additionally, for a low annual fee card, the welcome benefits are too good to be true, justifying the joining fee by a wide margin. Even the annual fee waiver condition on the card is low and easily achievable even for a low spender.
Pros
- Up to 6.5% savings on fuel transactions
- Up to 8.83% savings on travel spends
- Up to 5% savings on IDFC FIRST FASTag, groceries & utilities
- Movie discount every month
Cons
- Low reward redemption value of just Rs. 0.25
- Rewards on fuel spends limited to just HPCL branded fuel purchase
- No fuel surcharge waiver
- Lounge access is spend-based
Frequently Asked Questions
Everything you need to know about this credit card
Footnotes
- Earned reward points are credited in the card statement and Happy Coins are credited in the HP Pay app
- Value of 1 reward point= Rs. 0.25
- Voucher is given on a minimum transaction of Rs. 500
- On 1st HPCL fuel transactions done within the first 60 days of card set-up
- This offer is applicable on all transactions done within 30 days of card set up, worth Rs. 2,500 or above that are converted to EMIs of min. 6 months tenure, except jewellery and fuel spends.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
