Pros and cons
Pros
- ~5% value back on HPCL fuel — 30X points, worth up to 2,400 RP (₹600) a statement cycle
- HPCL's HP Pay app adds a separate ~1.5% in Happy Coins on app payments
- Accelerated 30X rewards on groceries, utilities and FASTag
- Lounge, movie discount and roadside assistance on a low fee
Cons
- Lounge access needs ₹20,000 of monthly spend
- Fuel rewards are capped at 2,400 RP (₹600) per statement cycle
- Modest rewards away from fuel and partner categories — 3X (0.5%) base
- ₹99 + GST is charged on EVERY redemption — IDFC's standard fee, which only FIRST Private, Club Vistara and IndiGo are exempt from — so redeem in blocks rather than monthly
Quick verdict: A focused HPCL fuel card earning 30X points (~5%) on HPCL fuel — with HPCL's separate HP Pay app benefits on top — and a RuPay/UPI dimension that makes it more useful day-to-day than most fuel co-brands, for a ₹499 fee that waives at ₹1.5 lakh. Fuel rewards cap at 2,400 points (₹600) a cycle, and the HP Pay extras need the app. If you fill up at HP regularly, you can stop comparing and apply.
See how it compares against the best BPCL and IndianOil cards: Best Fuel Credit Cards in India 2026.
The IDFC FIRST HPCL Power+ is the premium sibling of the base IDFC Power — a focused HPCL fuel card earning 30X reward points (~5%) at HP pumps, with a RuPay/UPI dimension that makes it more useful in daily life than most single-purpose fuel co-brands. For someone who fills up at HP and commutes regularly, the math is simple and favourable: a low fee that waives easily, a high fuel rate, and the convenience of UPI-linked fuel payments. If you're an HPCL commuter, this is close to a no-brainer.
What it earns
The Power+ is built around the pump:
- 30X reward points (~5%) on HPCL fuel, capped at 2,400 points (₹600) a statement cycle — about
₹12,000 of fuel spend — among the strongest HPCL returns. HPCL's HP Pay app pays a further ~1.5% in Happy Coins (600 coins a month on ₹10,000 of app spend) — HPCL's separate currency, on top of the card.
- 30X rewards on groceries and utilities (capped ₹2,000/cycle) and FASTag (₹1,000/cycle).
- 0.5% (3X) base on other spends, plus 1 domestic airport lounge visit per quarter (on ₹20,000 of monthly spend).
- Roadside assistance (₹1,399) and personal accident cover bundled in, with a welcome benefit worth ~₹2,500.
The ₹499 fee waives at ₹1.5 lakh of annual spend — a bar a regular HP commuter can clear across fuel and everyday spend — so the card is effectively free for the target user, with the fuel savings pure upside.
The HP Pay catch
The card's own 30X (~5%) applies however you pay at the HP pump. The extra ~1.5% on top comes from HPCL's HP Pay app, which pays its own Happy Coins (up to 600 a month on ₹10,000 of app spend) — a separate HPCL currency, not the card's reward points. It's not onerous — opening an app at the pump — but it's the difference between the combined headline and what a plain counter swipe earns, so factor in whether you'll bother with the app each time. Note there is no fuel-surcharge waiver on either Power card: IDFC withdrew it on 1 May 2024 and folded the value into the enlarged fuel-rewards category instead.
The other limitation is the per-cycle caps on fuel (and on grocery/utility/FASTag): the card is sized for an ordinary commuter's monthly fuel spend, not for routing very large volumes. Within those caps, the return is excellent; beyond them, it tapers to the base rate.
The 2026 additions
IDFC revised the Power line's features effective 18 June 2026, with app-linked perks: bonus reward points on travel booked via the IDFC FIRST app (26.67% on hotels, 13.33% on flights — portal rates we keep out of our scoring baseline) and a 25% movie-ticket discount up to ₹100/month, requiring any transaction in the previous calendar month. These nudge a narrow fuel card a little further toward everyday usefulness.
Who should hold it
The Power+ suits the regular HPCL commuter who fills up at HP pumps, will use the HP Pay app to capture HPCL's extra Happy Coins on top of the card's ~5%, and wants a near-free fuel card with roadside cover. For that person it's one of the best HPCL options going, and the low ₹499 fee waives with regular use.
It's the wrong card for non-HPCL drivers (wrong network — a BPCL or IndianOil card suits you better), for heavy fuel spenders who'd exceed the caps, for anyone who won't bother with the HP Pay app (you'll earn below the combined headline), and as a general everyday card (off-fuel earning is just 0.5%).
The bottom line
The IDFC FIRST HPCL Power+ is the HPCL commuter's easy win — up to ~5% on HP fuel from the card itself (plus HPCL's separate HP Pay app benefits), roadside assistance, accident cover, and grocery/utility/FASTag rewards, all for a ₹499 fee that waives at ₹1.5 lakh of annual spend. Fuel rewards cap at 2,400 points (₹600) a cycle and the HP Pay extras need the app, so the realistic return for a casual counter-swiper is lower than the combined headline. But for the regular HP customer willing to use the app, it's among the best fuel cards available, sweetened further by the 18 June 2026 app-travel and movie perks. Get the network right — this is HPCL, not BPCL or IndianOil — and if you fill up at HP, you can stop comparing and apply.
Decided the IDFC FIRST HPCL Power+ Credit Card fits how you spend?
Applications are submitted to and decided by IDFC FIRST Bank. CardAdvisor does not issue cards or process applications.
I have spent over a decade on Indian credit cards, mostly for the points and miles. I am a software engineer by profession, I hold and use the cards I write about, and I redeem through airline and hotel transfer partners: Avios, KrisFlyer, Flying Blue, Air India Maharaja Club, Accor ALL, Marriott Bonvoy and Taj. What I write about is what a card is actually worth after the fine print, the caps and exclusions that decide the real return, and the changes issuers make quietly. No paid placements.
Frequently asked questions
Is the IDFC FIRST HPCL Power+ worth it in 2026?
Does the IDFC HPCL Power+ have a fuel-surcharge waiver?
What's the difference between the IDFC Power and Power+?
Does the IDFC HPCL Power+ cap its fuel rewards?
Is the IDFC HPCL Power+ a good everyday card?
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