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▾IDFC FIRST Power+ Credit Card Review (HPCL co-brand)
Best for: Daily commuters and HPCL fuel regulars who can hit ₹1.5L annual spend (the fee-waiver threshold). Issuer claims save up to ₹18,500 annually (~175+ litres of fuel) when fuel + grocery + FASTag spends are routed through this card.
- ₹499 joining + ₹499 annual fee (waived if you spend ₹1.5L in the prior anniversary year)
- Welcome benefits worth ₹2,500 (refer issuer page for current offers)
- 0% interest on ATM cash withdrawals until the due date (typical IDFC FIRST advantage)
- Low APR — starting at 8.5% p.a. for top-tier customers
- UPI-on-credit support — earn rewards on UPI spends via the IDFC FIRST app
- Add-on cards available; refer-a-friend earns up to 10,000 Reward Points
- Monthly fuel cap
- No lounges
- Power+ variant better for heavy users
- Forex 3.5%
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹199 + GST |
| Renewal fee | ₹199 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
HPCL fuel: 4% cashback (cap ₹200/month). Online retail: 2% (cap ₹300/month). Base 1%. Redemption via IDFC app.
Key benefits
- 4% on HPCL fuel (cap ₹200/month)
- 2× online retail
- Welcome HPCL ₹250 voucher
- 1% fuel surcharge waiver
- IDFC low APR 9%
Who the IDFC First HPCL is for
HPCL customers with monthly fuel ₹3-5K plus moderate online shopping. Cheaper than Power+ which targets heavier users.
Final verdict
Budget HPCL fuel card with online bonus. Step up to IDFC Power+ at ₹2,500+ monthly fuel spend.
FAQ
Is this card the same as IDFC Power+?
No — Power+ is the premium HPCL variant at ₹499 with higher accelerators and lounges.
Does the HPCL voucher work at any pump?
HPCL-branded pumps nationwide via ClubHP app or paper voucher.
Can I combine with HPCL Smart Loyalty?
Yes — ClubHP loyalty points earn separately from card cashback.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.