IDFC FIRST HPCL Power+ Credit Card
An aggressive co-branded fuel card operating on the RuPay network. Cardholders earn up to 6.5% savings on HPCL fuel purchases via the HP Pay app alongside 5% returns on grocery store shopping, household utility bills, and FASTag recharges.
Why We Recommend The IDFC FIRST HPCL Power+ Credit Card
A well-rounded fuel card combining fuel savings with grocery and utility benefits on the RuPay network.
Daily vehicle commuters and car owners refueling frequently at HPCL petrol pumps.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the IDFC FIRST HPCL Power+ Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for IDFC FIRST HPCL Power+ Credit Card
Zero hidden costs. Complete fee schedule verified with IDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the IDFC FIRST HPCL Power+ Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary domestic airport lounge visits per calendar year (1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes IDFC FIRST HPCL Power+ Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Save up to 6.5% on fuel purchases at HPCL pumps nationwide.
RuPay enabled for everyday merchant UPI scan-and-pay transactions.
25% discount on movie tickets on District / Paytm (up to ₹100 once a month).
Pros & Cons of the IDFC FIRST HPCL Power+ Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- High 6.5% return rate on fuel purchases across HPCL pumps.
- Accelerated 5% rewards on groceries, utility bills, and FASTag recharges.
- Welcome fuel voucher covers the joining fee completely.
Things to Consider (Cons)
- Accelerated fuel savings require payments through the HP Pay app.
- Monthly spend capping applies on fuel (₹10,000) and grocery/utility categories (₹2,000).
- Quarterly lounge access requires meeting a ₹20,000 monthly spend threshold.
Who Can Apply for the IDFC FIRST HPCL Power+ Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from IDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About IDFC FIRST HPCL Power+ Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from IDFC Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
IDFC FIRST Ashva Credit Card
Crafted in precision metal, the IDFC FIRST Ashva Credit Card targets frequent flyers seeking international spending efficiency. It offers a 1.00% foreign exchange markup, up to 16 domestic lounge and spa visits per year, and comprehensive trip cancellation coverage.
FIRST Business Credit Card
Designed for small enterprises, traders, and sole proprietors, the FIRST Business Credit Card optimizes commercial cash flows. Issued Lifetime Free for enrolled MSMEs, it provides interest-free revolving credit, automated GST reporting, and domestic lounge access.
IDFC FIRST Classic Credit Card
An entry-level, zero-fee card designed for everyday household procurement. With no annual maintenance charges, never-expiring reward points, and access to railway executive lounges, it serves as a straightforward payment tool for families and branch applicants.
Ready to Apply for the IDFC FIRST HPCL Power+ Credit Card?
Check your pre-approved credit limit and instant approval eligibility across IDFC Bank with 100% paperless verification and zero score impact.