customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Get the App
get-the-app-mobile
Download the
Paisabazaar app Today!

Get instant access to loans, credit cards, and financial tools — all in one place

get-the-app-qr

Scan to download on

play-app-store
Paisabazaar Logo
meter
  • Home /
  • Credit Card /
  • IDFC FIRST Credit Card /
  • HPCL IDFC FIRST Power Credit Card
    • Image of HPCL IDFC FIRST Power Credit Card
    IDFC FIRST

    HPCL IDFC FIRST Power Credit Card

    cat name Rewards
    cat name Fuel
    3.0/5.0

    Travel3.5/5

    Rewards3.5/5

    Fuel Benefits3.5/5

    Rewards Flexibility1.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹199* Plus Applicable Taxes

    Entry-Level Card

    Entry-Level Card

    Low fee of Rs. 199

    Fuel

    Fuel

    5% savings on fuel

    Travel

    Travel

    Up to 8.67% savings

    Updated on January 2, 2026 12:14 pm

    Author: Megha Khanna

    Find Best Credit Card Offers

    It hardly takes 2 minutes

    +91 0 /10 Digits

    Don't worry, this will not affect your credit score

    The entered number doesn't seem to be correct

    By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
    Please accept the undertaking to proceed further

    meter
    About The CardRewards StructureOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About HPCL IDFC FIRST Power Credit Card

    IDFC FIRST Bank, in collaboration with HPCL, offers two co-branded fuel credit cards, namely HPCL IDFC FIRST Power and Power Plus credit cards. On this page we cover details on the base variant- HPCL IDFC FIRST Power credit card.

    The card comes at a low annual fee of  Rs. 199 along with a low waiver requirement of just Rs. 50,000 in a year. Considering the savings of up to 5% on fuel expenses, efficient use of the card can yield good returns to users. Benefits are also extended to other major everyday lifestyle expenses like grocery, utility bills, FASTag recharges and UPI spends.

    Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit IDFC FIRST Bank’s website.

    In comparison to other fuel credit cards, co-branded with HPCL like ICICI Bank HPCL Coral , this card has an edge due to these two factors: (i) it comes at the lowest possible fee, but offers a similar value-back percentage (ii) it does not keep the accelerated reward earning limited to fuel. The ICICI variant offers a lower savings of 3.5% and extended benefit to just movies and fuel surcharge waiver.

    Rewards Structure:

    • 3.5% savings on fuel spends: 21 rewards points per Rs. 150 spent on HPCL fuel, up to 700 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
    • 2.5% savings On Grocery & Utility Spends: 15 reward points per Rs. 150 spent, up to 400 rewards per statement cycle
    • 2.5% savings on IDFC FIRST FASTag Recharge:  via HPCL Power card as 15 reward points per Rs. 150 spent, up to 200 rewards per statement cycle
    • Up to 8.67% savings on travel spends: 52 reward points per Rs. 150 spent on hotels and 32 points per Rs. 150 spent on flights through Travel & Shop section on IDFC FIRST Mobile App
    • Uncapped 2 reward points per Rs. 150 via IDFC FIRST Power credit card
    • Redeem reward points at a value of 1 RP = Rs. 0.25

    Also Read: Best Credit Cards in India 202 

    *T&C Apply.1-2

    Image of null
    Image of null

    Other Features & Benefits:

    • Welcome Benefits:
      • Rs. 250 gift voucher on the 1st HPCL fuel transaction4,5
      • 5% cashback of up to Rs. 1,000 on first EMI conversion6
    • Annual fee waiver on spending Rs. 50,000 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 Credit Card : Fees & Charges

    Fee Type Amount
    Joining/Annual Fee Rs. 199
    Add-on Card Fee Nil
    Interest Rate 0.71% to 3.85% p.m. | 8.5% to 46.2% p.a.
    Late Payment Charges Rs. 100 or 15% of total amount due (up to Rs. 1,300), whichever is higher

    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:

    Paisabazaar Review

    Overall Rating

    3.0/5

    Travel3.5/5

    Rewards3.5/5

    Fuel Benefits3.5/5

    Rewards Flexibility1.0/5

    What do we like about this card?

    The card comes at a low annual fee of Rs. 199, making it a suitable choice for beginners who are also HPCL fuel loyalists. It offers a great return of up to 5% savings on fuel expenses and also covers spends on grocery, utility bills, FASTag recharges and UPI spends under its rewarding umbrella.

    Pros

    • Low annual fee
    • Achievable fee waiver criteria
    • Up to 5% savings of fuel
    • Additional accelerated benefits on spends like travel, grocery, utilities and FasTag
    • Activation benefits worth more than the joining fee

    Cons

    • 5% savings on fuel include 1.5% return via HP Pay App (offered as Happy coins)- this can be complicated for some users
    • Minimum spend-limitations on reward earning
    meter

    Frequently Asked Questions

    Everything you need to know about this credit card

    To use your credit card for UPI linked payments, ensure linking it to your preferred UPI app- any among BHIM, PhonPe, PayTm, Gpay, Freecharge, Slice, Cred & Mobikwik. Post linking, you will be able to scan any UPI enabled QR code and make a payment.

    To apply for this card, you must have an annual income of Rs. 3 Lakh or more. Other important eligibility factors are: you must be at least 21 years old, must have a healthy credit score and acceptable credit utilization ratio.

    No, the base variant that is IDFC FIRST HPCL Power does not offer any lounge access. However, complimentary domestic lounge visits are a feature of the Plus variant.

    Yes you can pay rent using the IDFC FIRST HPCL Power Card, but a fee of 1% of the transaction value is applicable on such transactions. This is subject to a minimum of Rs. 249 per transaction.
    img

    Need More Help?

    Leave a comment or ask a question!

    Ask Your Question

    Footnotes

    1. Here, the earned reward points are credited in the card statement and Happy Coins are credited in the HP Pay app
    2. Value of 1 reward point= Rs. 0.25
    3. Maximum spends capping of Rs. 5,000 per statement cycle for HPCL fuel spends; Rs. 10,000 per statement cycle on HP Pay App; Rs. 4,000 per statement cycle on grocery and utilities; Rs. 2,000 spends per statement cycle on IDFC FIRST FASTag Recharge.
    4. Gift voucher is offered on a minimum transaction of Rs. 250
    5. 1st HPCL fuel transactions done within the first 60 days of card set-up
    6. 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 linkedIn icon

    Content Writer

    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.

    Trending Articles on Credit Cards

    View All Articles
    img
    Best Railway Lounge Access Credit Cards in India 2026
    img
    Shruti Sharma
    9 Dec 2025
    img
    Best Credit Cards for Airport Lounge Access in India 2026
    img
    Shruti Sharma
    1 Dec 2025
    img
    Best Low Interest Credit Cards in India 2026
    img
    Shruti Sharma
    20 Nov 2025
    img
    Best RuPay Credit Cards in India 2026
    img
    Rupanshi Thapa
    16 Oct 2025

    Explore other Card Categories

    cat name Memberships
    cat name Travel
    cat name Lounge Access
    cat name Golf
    cat name Dining
    cat name Online Grocery
    cat name Premium
    cat name Shopping
    cat name Milestone Benefits
    cat name Co-branded
    cat name Brand Discount
    cat name Online Dining
    cat name Online Travel
    cat name Welcome Benefit
    cat name Offline Grocery
    cat name Offline Movies
    cat name Offline Dining
    cat name Movies
    cat name Online Movies
    cat name Lifetime Free
    cat name Rewards
    cat name Cashback
    cat name Fuel
    cat name Offline Travel
    cat name Offline Shopping
    cat name Online Shopping
    cat name Fee Waiver
    cat name Renewal Benefit

    Explore Cards from Leading Issuers

    HSBC Bank HDFC Bank SBI Cards American Express ICICI Bank Kotak Mahindra Bank Axis Bank Standard Chartered Bank YES BANK RBL Bank IndusInd Bank IDFC FIRST Bank AU Small Finance Bank Federal Bank BOBCARD Punjab National Bank SBM Bank Canara Bank Equitas Small Finance Bank IDBI Bank Indian Bank DBS Bank Bank of India
    icon

    Check eligibility for best credit cards

    Check Eligibility
    meter
    Menu