Travel on Points

IDFC HPCL First Power Plus Credit Card

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  • Joining fee

    ₹499 + GST

  • Annual fee

    ₹499 + GST

  • Best suited for

    Fuel

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    30X Reward Points on HPCL Fuel up to 2,400 Reward Points. You can save up to 5% as rewards on grocery and utility expenses, up to 5% as a reward on IDFC FIRST FASTag recharges (max ₹1,000 per month), and 3X rewards on all other retail transactions.

  • Welcome benefits

    ₹500 gift voucher on your 1st HPCL fuel transaction above ₹500 and up to 5% cashback (up to ₹1,000 capped) on the transaction value of the first EMI.

  • Reward redemption

    1 Reward Point = ₹0.25

Benefits

  • Movie & dining

    25% Off on Movie Tickets Up to ₹100 Once Per Month (Benefit Available on Completing at Least One Transaction in the Previous Calendar Month)

  • Travel

    Complimentary Roadside Assistance Worth ₹1,399

  • Domestic lounge

    1 Complimentary Domestic Lounge Access Every Quarter (4 Each Year)

  • Insurance

    The benefit of a personal accident cover of ₹2 lakh and lost card liability cover of ₹25,000.

Fees & charges

  • Spend-based waiver

    ₹1,50,000 spent in the previous year.

  • Rewards redemption fee

    ₹99 on every redemption request

  • Foreign currency markup

    3.5% on all international transactions

  • Interest rates

    0.75% to 3.65% Per Month (9% to 43.8% Annually)

  • Cash advance charges

    ₹199 as a cash advance fee.

Product highlights

  • Save up to 6.5% on fuel spends with this credit card.
  • Save up to 5% as a reward on utility and grocery bills (max cap. ₹2,000 per month)
  • Save up to 5% as rewards on IDFC FIRST FASTag recharge (max cap ₹1,000 per month)
  • Get 3X rewards on all other miscellaneous retail transactions.
  • Complimentary domestic airport lounge access per quarter (minimum monthly spending of ₹20,000)
  • Get up to 25% off on movie tickets (₹100 max cap per month)

Pros & cons

Pros

  • With this credit card, you also get rewards on UPI transactions.
  • The joining fee is quite affordable (₹499).

Cons

  • For global travellers, this card doesn’t provide any international lounge access.

FAQs

How much can I save on fuel with this card?

Your gross savings on all fuel expenses at HPCL fuel stations will be around 6.5%. The estimated savings are Rs. 18,500 annually, sufficient to buy 175+ liters of fuel.

What are the movie and dining benefits?

Up to 25% off on all movie tickets up to Rs. 100, which you can avail of once every month.

Is there a reward redemption fee?

Yes, a reward redemption fee of Rs. 99 plus applicable taxes will be charged on every reward redemption request.

What travel benefits will I get?

Complimentary domestic airport lounge access once every quarter on a minimum monthly spend of Rs. 20,000 and complimentary roadside assistance worth Rs. 1,399 four times a year.

How much does this card cost?

This card has an annual fee of Rs. 499 plus applicable taxes.

Can I make UPI transactions with my IDFC HPCL First Power Plus Credit Card?

Yes, with this credit card, you can easily make UPI transactions. Just link your IDFC HPCL Power Plus Card to the UPI app of your choice, like GPay, Paytm, Freecharge, and Cred.