High-Value Fuel Savings Credit Card with Up to 5% Savings on HPCL Fuel
Daily vehicular commuters, bike/car owners, and budget-conscious drivers who fuel up regularly at Hindustan Petroleum (HPCL) outlets.
₹199
One-time upfront₹199
Waived on ₹50,000 annual spendUp to 5% savings on HPCL fuel via HP Pay; 2.5% on groceries and utility bills; 2X on other retail
On eligible spends3.50% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IDFC FIRST HPCL Power Credit Card is an entry-level co-branded fuel card engineered to mitigate climbing petrol and diesel expenditures for daily Indian motorists. With an accessible fee structure of ₹199 plus GST joining and renewal, the card pays for itself immediately with a ₹250 cashback welcome benefit on the first HPCL fuel transaction of ₹250 or more via the HP Pay mobile app within 30 days. The core economic return delivers up to 5% savings on fuel purchased at HPCL retail stations: cardholders receive 2.5% back as reward points (earn rate capped at ₹250 per month) plus an additional 1.5% cashback when paying via the HP Pay wallet, alongside the standard 1.0% fuel surcharge waiver. Additionally, the card functions as an effective household budgeting tool, earning 2.5% valueback in reward points on groceries, supermarkets, and utility bill payments (capped at ₹100 per category monthly). On all other general retail expenses, users earn 2X reward points per ₹150 spent (0.33% return). Crucially, all reward points earned on this card never expire, preventing forfeiture due to dormancy. The annual fee waiver threshold is an easily reachable ₹50,000 annual spend. For bike owners and urban car commuters spending ₹3,000 to ₹7,000 monthly on fuel at HPCL bunks, this card is one of the highest net-yield fuel cards in the sub-₹500 fee segment.
Save up to 5% on your fuel spending. Save 2.5% as a reward on your utility and grocery expenses. 2.5% as a reward on your IDFC FASTag recharge. 2x rewards on all other retail spend.
₹250 gift voucher on your 1st HPCL fuel transaction above ₹250 and up to 5% cashback (up to ₹1,000 capped) on the transaction value of the first EMI.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Groceries & Utility Bill Payments | 2.5% value-back as reward points on grocery and utility bill payments | 400 Reward Points/mo | Standard terms apply |
| HPCL Fuel Outlets via HP Pay | 2.5% value-back as reward points on HPCL fuel purchases via HP Pay app (max ₹150 savings per cycle) | 600 Reward Points/mo | Standard terms apply |
| HPCL Fuel Spends | Up to 5% savings on HPCL fuel purchases (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Utility Bills & Groceries | 2.5% savings in reward points on utilities and grocery spends | No Cap | Standard terms apply |
| Other Retail Spends | 2X Reward Points on other retail spends | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Groceries & Utility Bill Payments | ₹3,000 | 2.5% value-back as reward points on grocery and utility bill payments | — | ₹400/monthly | Calculating... | Under cap |
| HPCL Fuel Outlets via HP Pay | ₹3,000 | 2.5% value-back as reward points on HPCL fuel purchases via HP Pay app (max ₹150 savings per cycle) | — | ₹600/monthly | Calculating... | Under cap |
| HPCL Fuel Spends | ₹3,000 | Up to 5% savings on HPCL fuel purchases (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Utility Bills & Groceries | ₹3,000 | 2.5% savings in reward points on utilities and grocery spends | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2X Reward Points on other retail spends | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹199
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹199 + GST; Annual Renewal Fee: ₹199 + GST. • Fee Waiver: Spend ₹50,000 or more in an anniversary year to waive the ₹199 annual renewal fee. • Welcome Benefit: ₹250 cashback on your first HPCL fuel purchase of ₹250+ via HP Pay app within 30 days of card setup. • Fuel Savings: Up to 5% overall savings at HPCL outlets (2.5% reward points + 1.5% HP Pay cashback + 1% fuel surcharge waiver). • Grocery & Utilities: 2.5% valueback on grocery shopping and utility bills (capped at ₹100 valueback per month per category). • Other Retail: 2X reward points per ₹150 on all other non-fuel purchases. Points never expire. • Fuel Surcharge: 1% surcharge waiver at all HPCL pumps for transactions up to ₹4,000 (maximum waiver of ₹100 per cycle).
Evaluate whether this card's perks and waiver threshold justify its ₹199 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IDFC FIRST HPCL Power Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official IDFC FIRST Bank portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: BPCL Fuel Users, Highway Drivers & Everyday Commuters
Rewards: 1 Reward Point per Rs 100 spent
Lounge access: 1 Domestic visits/quarter
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026
Best for: Daily city commuters and budget two-wheeler or four-wheeler owners fueling regularly at HPCL pumps.
Rewards: 2 Reward points per Rs. 100 spent
Renewal fee waived on ₹50,000 annual spend
Last verified 2 Oct 2026
Best for: Daily motorists, highway commuters, and budget-conscious suburban families looking to save up to 6.5% on HPCL fuel along with solid 5% grocery and utility returns.
Rewards: Up to 6.5% savings on HPCL fuel; 5% on grocery, utility, and FASTag; 3X on other retail
Lounge access: 1 Domestic visits/quarter · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹1,50,000 annual spend
Last verified 17 Sept 2026
IndianOil Easy Axis Bank Credit Card
Best for: Fuel savings against Axis Bank Fixed Deposit
Renewal fee waived on ₹50,000 annual spend
Last verified 14 Oct 2026
Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
Best for: Daily Commuters, Two-Wheeler Owners & Budget Fuel Spenders at BPCL Outlets
Rewards: 1 Reward Point per Rs 100 spent
Renewal fee waived on ₹50,000 annual spend
Last verified 2 Oct 2026
