In-depth review
IDFC FIRST HPCL Power+ Credit Card
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.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
20 points/₹100 on Fuel (~5% value)
30X (~5%) on HPCL fuel, capped at 2,400 RP (₹600) a cycle — about ₹12,000 of fuel spend; non-HPCL fuel earns nothing. HPCL's HP Pay app pays a separate ~1.5% in Happy Coins (600 coins/month on ₹10,000) — HPCL's currency, not modelled here
5% on Utility Bills
30X (~5%) on grocery, utilities and FASTag (FASTag ₹1,000/cycle); the ₹2,000/cycle cap is an unverified issuer cap — bounds the row pending the Product Usage Guide
Airport Lounge Access
1 complimentary domestic airport lounge visit a quarter on ₹20,000 of monthly spend
Zero Forex Markup — but no rewards abroad
No markup on international spends, but they earn nothing on this card, so a purchase abroad costs no extra and returns nothing.
Annual Fee Waiver
Fee of ₹499 + 18% GST (₹589 all-in)/yr fully waived when you spend ₹1,50,000/year
24x7 Concierge
Complimentary roadside assistance programme worth ₹1,399
Movie Ticket Benefit
25% off movie tickets up to ₹100/month, on any transaction in the previous calendar month (w.e.f. 18-Jun-2026)
⛽ FUEL BENEFITS
Co-branded card — maximum savings at HPCL stations.
Up to 5%
Fuel reward rate
PARTNER FUEL STATIONS
- Co-branded card — maximum rewards at HPCL fuel stations
- Up to 5% effective return on fuel purchases
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 25% off movie tickets up to ₹100/month, on any transaction in the previous calendar month (w.e.f. 18-Jun-2026)
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,000
Estimated annual value
0% — Zero!
Forex markup
- Domestic airport lounge access (4 domestic visits/yr, worth ~₹2,000)
- Zero forex markup — zero extra cost abroad
For daily commuters who fill up at HPCL pumps, will route payments through the HP Pay app, and want a RuPay/UPI fuel card with a trivial fee waiver. Less suited to those who refuel at IOCL/BPCL.
Full reward structure
What you earn on every rupee, per spend category — as of 27 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Fuelonly at Hindustan Petroleum (HPCL) | reward points | 5%20 pts/₹100 × ₹0.25 | ₹600 |
| Utility Bills | reward points | 5%20 pts/₹100 × ₹0.25 | ₹2,000 |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
Fuel: 30X (~5%) on HPCL fuel, capped at 2,400 RP (₹600) a cycle — about ₹12,000 of fuel spend; non-HPCL fuel earns nothing. HPCL's HP Pay app pays a separate ~1.5% in Happy Coins (600 coins/month on ₹10,000) — HPCL's currency, not modelled here · Hindustan Petroleum (HPCL)
Utility Bills: 30X (~5%) on grocery, utilities and FASTag (FASTag ₹1,000/cycle); the ₹2,000/cycle cap is an unverified issuer cap — bounds the row pending the Product Usage Guide
Other: 3X (0.5%) base on all other spends
Earns nothing on: International · Insurance · EMI Conversions · Cash Advances
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 27 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Forex markupInternational spends are excluded from rewards on this card, so a purchase abroad costs no extra but earns nothing. A card with a small markup that still earns can work out better overseas. | 0% |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹4,599/yr in total.
1 complimentary domestic airport lounge visit a quarter on ₹20,000 of monthly spend
25% off movie tickets up to ₹100/month, on any transaction in the previous calendar month (w.e.f. 18-Jun-2026)
Complimentary roadside assistance programme worth ₹1,399
Should you get it?
- Best for: HPCL regulars who want fuel savings plus lifestyle perks, IDFC customers wanting a low-fee fuel card with lounge access
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Utility Bills (5% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & 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
Eligibility & documents
This is the figure for salaried applicants. Where IDFC FIRST Bank sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem reward points against fuel and on the IDFC FIRST rewards catalogue (₹99 + GST redemption fee)
- 🎁Statement credit on eligible spends
What your IDFC Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Never-expiring points
Brand & e-gift vouchers
Fuel rewards cap at 2,400 points (₹600) a cycle — about ₹12,000 of fuel spend — and the extra ~1.5% requires routing through HPCL's HP Pay app. Over-cap and non-HPCL fuel spend earn far less than the headline.
Frequently asked questions
How has the IDFC FIRST HPCL Power+ Credit Card changed over time?
Has the IDFC FIRST HPCL Power+ Credit Card been devalued recently?
When did the IDFC FIRST HPCL Power+ Credit Card's fees last change?
How did the IDFC FIRST HPCL Power+ Credit Card change in 2026?
The bottom line
Power+ is the strongest HPCL fuel card on cost-to-value: ~5% on fuel from the card itself (plus HPCL's separate HP Pay app benefits), a RuPay/UPI bonus that makes it useful beyond the pump, a low fee that waives easily, and roadside cover. HPCL commuters can stop reading and apply — just respect the per-cycle caps.
How this page was built
Counted from this card’s own record: 3 earn rules, 2 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 3 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 27 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the IDFC FIRST HPCL Power+ Credit Card are taken from IDFC FIRST Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 27 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IDFC FIRST Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Compare head-to-head
See IDFC FIRST HPCL Power+ Credit Card compared side by side with a close alternative.
Similar & related cards
Other cards worth comparing before you apply.
IDFC FIRST WOW! Black Credit Card
Same tier with similar rewards
Tata Neu Plus HDFC Bank Credit Card
Comparable HDFC option
HPCL ENERGIE BOBCARD Credit Card
Comparable BOB option
IRCTC HDFC Bank Credit Card
Comparable HDFC option
IRCTC BOBCARD RuPay Credit Card
Comparable BOB option
IDFC FIRST Power Credit Card
Lower annual fee, similar tier
Read more
Guides and reviews related to this card.
IDFC FIRST HPCL Power+ Credit Card
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.
IDFC FIRST Power Credit Card
A serviceable, very cheap fuel-and-bills card for IDFC account holders who fill up at HPCL — 21X points (~3.5%) on HPCL fuel from the card itself (30X, ~5%, on the Power+ variant), with HPCL's separate HP Pay app benefits on top, plus grocery/utility/FASTag rewards, roadside assistance and accident cover, all for a ₹199–₹499 fee. It won't out-earn dedicated rivals (the SBI Octane roughly doubles it on fuel), so its case is low cost plus HP loyalty plus an existing IDFC relationship. Get the network right first: it's HPCL, not BPCL.
ICICI HPCL Super Saver Credit Card
The best fuel card for HPCL-side commuters — and it earns that partly by being more than a fuel card. Alongside 5% on HP fuel it pays 5% on groceries and departmental stores, categories most petrol co-brands skip, for a ₹500 fee that waives at ₹1.5 lakh. HPCL-network-locked, with full value leaning on the HP Pay app and sensible point redemption. A practical, near-free keeper for the HP household.
BPCL SBI Card Octane
If you fill up at BPCL, the conversation is short — the Octane wins. At up to 7.25% value-back on BPCL fuel it is the highest return you can get at a BPCL pump, and unlike most single-purpose fuel cards it earns 10X on dining, groceries and movies too. For a BPCL household spending ₹4,000 a month on fuel, fuel alone earns about ₹290 a month, so the ₹1,769 all-in fee is recovered in about six months, and sooner in year one, when the ~₹1,500 welcome covers most of it. The benchmark — earned. It's strictly BPCL-network, with a poor 0.25% non-fuel base.
Best Fuel Credit Cards in India 2026: Top Picks for HPCL, BPCL and IndianOil
The best fuel credit cards in India return roughly 4–8.5% on petrol and diesel through reward acceleration plus a 1% fuel surcharge waiver. This guide names the best card for each pump — IndianOil, HPCL, BPCL — and, if you have no preferred pump, the brand-agnostic cards that still pay on fuel.
IDFC FIRST EA₹N Credit Card
An FD-backed RuPay card built for UPI-first spenders: 1% cashback on UPI via the IDFC FIRST app, 0.5% on third-party UPI and other spends, with cashback capped at ₹500 a cycle. Because it is secured against a deposit from ₹5,000, approval skips the income and CIBIL check and the FD keeps earning interest. Keep spends on the app to earn the headline rate.
BPCL RBL Bank SuperCard
A fuel-and-flexibility card that's honest about what makes it worth holding — not the fuel rate, which the SBI Octane out-earns on the same BPCL pumps, but the SuperCard family's cash-withdrawal and flexible-repayment features that ordinary credit cards simply don't offer. A fair, cheap card for the RBL customer who actually uses those cash tricks alongside a BPCL fill-up habit.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2023 · last change Oct 2026
2026
- ▼ RewardObserved 9 Sept 2026 · Effective 26 Oct 2026
International spends stop earning reward points
Reward points on international spends at the card's own rate→No reward points on international spends
From 26 October 2026 IDFC FIRST Bank credit cards stop earning reward points on international spends, except the Ashva, Mayura, Gaj, FIRST Private, FIRST WOW!, FIRST WOW! Black and IndiGo cards. IDFC announced it in its 9 September 2026 letter to cardmembers, the same letter that removed the forex markup, so paying abroad still costs no markup but earns nothing. On the Classic, Millennia, Select and FIRST Wealth this ends the 10X rate on international spends.
Verification: IDFC FIRST Bank ↗ · Confidence: High
- ▲ FeeEffective 9 Sept 2026
Forex markup removed
1% to 3.5%, depending on the card→0% (nil)
IDFC FIRST Bank stopped charging a markup on foreign-currency spends on all its credit cards from 9 September 2026, the effective date its letter to cardmembers gives. Its Key Fact Statement dated 15 September 2026 lists the markup on foreign-currency and currency-conversion transactions as nil, with no card-by-card exception, where the January 2026 edition charged 3.5% on most cards and less on a few (1.99% on the FIRST Select, 1.5% on the FIRST Wealth, 1.49% on the IndiGo card and 1% on the Ashva). The same letter says international spends stop earning reward points from 26 October 2026 on most IDFC FIRST cards; that is recorded as its own change.
Verification: IDFC FIRST Bank ↗ · Confidence: High
- ▲ RewardEffective 18 Jan 2026
Bonus reward points on travel booked in the IDFC FIRST app
No app-booking bonus→50X bonus on hotels, 30X bonus on flights
IDFC added accelerated earning on travel booked through the IDFC FIRST Bank mobile app — 50X bonus reward points on hotels and 30X on flights. A rare positive for a fuel card, though it only pays inside the bank's own booking channel.
Verification: IDFC FIRST Bank ↗ · Confidence: Reconstructed
- ▼ FeeObserved 18 Dec 2025 · Effective 18 Jan 2026
Fair-usage fees on heavy FASTag and railway spends
No FASTag or railway spend fee→1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle
FASTag recharges (MCC 4784) above ₹10,000 in a billing cycle now attract a 1% fee on the whole cycle's FASTag amount, and railway spends (MCC 4111, 4112) above ₹25,000 do the same. FASTag is one of this card's three accelerated categories, so the heaviest users of a headline benefit are the ones charged for it.
Verification: IDFC FIRST Bank ↗ · Confidence: High
- ▼ RewardObserved 18 Dec 2025 · Effective 18 Jan 2026
Whole cycle's reward points forfeited if minimum due is missed
Points accrued regardless of payment behaviour→No points for any cycle where the minimum amount due is unpaid by the due date
From 18 January 2026, failing to pay at least the Minimum Amount Due by the payment due date voids reward points for that entire billing cycle, and any points already posted for it are reversed. One missed minimum payment now costs a full cycle of fuel earning on top of the interest and late fee.
Verification: IDFC FIRST Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
</> Embed this timeline on your site
Free to use. Facts only — dates, changes and before/after values. Please keep the credit line below the frame: it's the only part search engines can see, and it's what we ask for in return.
“ Cite this timeline
Quoting a date or a before/after figure? Copy the HTML version — it credits the record with a working link.
Source: <a href="https://cardadvisor.in/cards/idfc-hpcl-power#value-timeline">IDFC FIRST HPCL Power+ Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
Want to know if this beats your current card for your spending?
Applications are submitted to and decided by IDFC FIRST Bank. CardAdvisor does not issue cards or process applications.