Maximized Fuel & Everyday Utility — Up to 6.5% Savings on HPCL Fuel & 5% on Groceries
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.
₹499
One-time upfront₹499
Waived on ₹1.5 lakh annual spendUp to 6.5% savings on HPCL fuel; 5% on grocery, utility, and FASTag; 3X on other retail
On eligible spends1 Domestic visits/quarter · ₹20k monthly spend required
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IDFC FIRST HPCL Power+ Credit Card is a potent co-branded fuel and daily utility card engineered to curb inflationary everyday living costs for motorists and suburban households. Positioned at a modest **joining and annual fee of ₹499 + GST**, the card effectively pays for itself immediately upon approval by granting **₹500 cashback on the first HPCL fuel purchase of ₹500 or more** paid via the HP Pay mobile application. At HPCL petrol pumps, cardholders unlock an exceptional **combined fuel savings of up to 6.5%**: this comprises 4.0% value back as reward points on fuel transactions up to ₹10,000 per statement cycle, an additional 1.5% cashback on payments processed via the HP Pay wallet app (up to ₹1,000 per cycle), and a 1.0% fuel surcharge waiver (capped at ₹100 per statement month). Beyond the fuel pump, the card doubles as a versatile household utility saver by offering **5.0% savings on grocery and departmental store spends** (up to ₹100/month), **5.0% on utility bill payments** (up to ₹100/month), and **5.0% on IDFC FIRST FASTag recharges** (up to ₹100/month). Unusually for an entry-level fuel card, the HPCL Power+ includes **4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)**, unlocked upon achieving a retail spend of ₹20,000 in the preceding calendar month. Cardholders also receive a 25% discount on movie tickets on Paytm (up to ₹100 once a month). The annual fee is waived upon reaching annual spends of ₹1,50,000. For commuters who fill tank at HPCL pumps and want meaningful grocery and utility kickbacks, this card is a top-tier value proposition.
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.
₹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.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Groceries, Utilities & FASTag | 5% value-back as reward points on grocery purchases, utility bills, and IDFC FIRST FASTag | 400 Reward Points/mo | Standard terms apply |
| HPCL Fuel Outlets via HP Pay | 4% value-back as reward points on HPCL fuel purchases via HP Pay app | 400 Reward Points/mo | Standard terms apply |
| HPCL Fuel Spends via HP Pay App | Up to 6.5% total savings (4% cashback on Happy Shop + 1.5% reward points via HP Pay + 1% fuel surcharge waiver) | No Cap | Standard terms apply |
| Utility Bills & Groceries | 5% savings in reward points on utility bills & groceries | No Cap | Standard terms apply |
| Other Retail Spends | 3X Reward Points on other retail transactions (1 RP = ₹0.25) | 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, Utilities & FASTag | ₹3,000 | 5% value-back as reward points on grocery purchases, utility bills, and IDFC FIRST FASTag | — | ₹400/monthly | Calculating... | Under cap |
| HPCL Fuel Outlets via HP Pay | ₹3,000 | 4% value-back as reward points on HPCL fuel purchases via HP Pay app | — | ₹400/monthly | Calculating... | Under cap |
| HPCL Fuel Spends via HP Pay App | ₹3,000 | Up to 6.5% total savings (4% cashback on Happy Shop + 1.5% reward points via HP Pay + 1% fuel surcharge waiver) | — | None | Calculating... | Under cap |
| Utility Bills & Groceries | ₹3,000 | 5% savings in reward points on utility bills & groceries | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 3X Reward Points on other retail transactions (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹499 + GST (Welcome benefit of ₹500 cashback on the first fuel transaction of ₹500 or more at HPCL pumps via HP Pay). • Annual Renewal Fee: ₹499 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving annual retail spend of ₹1,50,000 in the preceding membership year. • HPCL Fuel Savings: Up to 6.5% total savings on HPCL fuel purchases (4.0% reward points + 1.5% cashback via HP Pay app + 1% fuel surcharge waiver up to ₹100 per statement cycle). • Grocery & Supermarket Returns: 5.0% savings on grocery and departmental store spends (capped at ₹100 per statement cycle). • Utility Bill Payments: 5.0% savings on utility bill payments (electricity, water, gas, broadband; capped at ₹100 per statement cycle). • FASTag Recharges: 5.0% savings on IDFC FIRST FASTag recharge (capped at ₹100 per statement cycle). • Domestic Airport Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter, unlocked upon spending ₹20,000 in the preceding calendar month). • Movie Privileges: 25% discount on movie tickets on the Paytm app (up to ₹100 once a month). • Foreign Currency Markup: 3.50% + GST on foreign currency transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹499 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
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Direct online application on the official IDFC FIRST Bank portal with paperless verification.
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