HPCL FIRST Power Credit Card benefits
- Fuel21
points per ₹150 (3.5%) on HPCL fuel
up to ₹5,000 of fuel a cycle
- FuelUp to 5%
on HPCL fuel when you also pay through the HP Pay app
- Rewards15
points per ₹150 (2.5%) on grocery and utility bills
up to 400 points a cycle
- Fees
Fee of ₹199 a year, reversed on ₹50,000 of yearly spends
- Forex0%
forex markup, and reward points that never expire
HPCL FIRST Power Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| HPCL pumps21 points per ₹150 (3.5%) at authorised HPCL fuel stations, on up to ₹5,000 of fuel a statement cycle (700 points). Fuel at other stations earns nothing. | 14 points per ₹100 | 700 |
| Groceries15 points per ₹150 (2.5%) on grocery, as set by the merchant category code. Grocery and utility bills share a limit of 400 points a cycle, about ₹4,000 of spends. | 10 points per ₹100 | 400 |
| Bills and utilities15 points per ₹150 (2.5%) on utility bills. Shares the 400 point limit with grocery. Insurance premiums earn nothing. | 10 points per ₹100 | 400 |
| Everything else | 1.33 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Insurance premiums, fuel at stations other than HPCL, EMI transactions and ATM cash withdrawals. Spends below ₹150 earn nothing.
All reward rules
- IDFC FIRST Bank values 1 reward point at ₹0.25. Other retail spends and UPI earn 2 points per ₹150, about 0.33%, with no limit.
- HPCL fuel paid through the HP Pay app adds 6 Happy Coins per ₹100 (1.5%), up to 600 coins a month, which is how the bank reaches up to 5% on fuel. We do not count it.
- IDFC FIRST FASTag recharges made in the IDFC FIRST Bank app earn 15 points per ₹150 (2.5%), up to 200 points a cycle.
- Welcome benefit: a ₹250 gift voucher on your first HPCL fuel spend of ₹250 or more within 60 days, and 5% cashback up to ₹1,000 on your first EMI within 30 days.
- The bank's product guide says a 1% fee applies when fuel spends in a statement cycle pass ₹30,000.
- Reward points do not expire. The card has no fuel surcharge waiver and no airport lounge access.
What the HPCL FIRST Power Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “a bit of everything” pattern, using HPCL pumps where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹6,000 | 2.5% (limit hit) | ₹800 |
| Dining and food delivery | ₹3,000 | 0.33% | ₹120 |
| Online shopping | ₹8,000 | 0.33% | ₹319 |
| Travel | ₹3,000 | 0.33% | ₹120 |
| Fuel | ₹3,000 | 3.5% | ₹1,260 |
| Bills and utilities | ₹3,000 | 2.5% (limit hit) | ₹400 |
| Everything else | ₹4,000 | 0.33% | ₹160 |
| Total | ₹30,000 | ₹3,178 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹3,178* |
HPCL FIRST Power Credit Card annual fee and charges
- Joining fee
- ₹199
- Annual fee
- ₹199
- Fee waiver
- ₹50,000 a year
- Foreign currency markup
- 0%
The ₹199 annual fee is reversed if you spend ₹50,000 in the previous anniversary year. ATM cash, balance transfers, monthly EMIs, fees and charges do not count. The joining fee plus GST must be paid before the card is sent. Fees are before GST.
HPCL FIRST Power Credit Card eligibility
- Age
- 21 or above
- Salaried income
- ₹3,00,000 a year
- Self-employed income
- ₹3,00,000 a year
Indian citizens aged at least 21 years with a yearly income of ₹3 lakh or more and a healthy credit score. The bank says people who already hold an IDFC FIRST credit card can apply only for the Power+ variant.
The bank alone decides approval and your credit limit.
HPCL FIRST Power Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
The bank lists lounge access only for the FIRST Power+ variant.
Is the HPCL FIRST Power Credit Card right for you?
A card with a ₹199 fee that spending can waive, paying 3.5% at HPCL pumps and a below-average 0.33% elsewhere.
Worth its fee if you spend about ₹2,000 a month or more. Below that, the ₹199 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at HPCL pumps: the card pays 3.5% back there, against 0.33% on most other spends.
- You spend ₹50,000 a year or more (about ₹4,200 a month), so the ₹199 renewal fee is waived.
- You pay in foreign currency, abroad or on foreign websites: the markup is 0%, against a typical 3.5% on the cards we list.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹4,200 a month: you would pay ₹235 a year with GST.
- You spend more than ₹5,000 a month at HPCL pumps: the higher rate stops there.
- You rarely use HPCL pumps: outside them the card pays 0.33%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HPCL FIRST Power Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HPCL FIRST Power Credit Card | ₹199 | 3.5% | ₹1,918* |
| IndianOil HDFC Bank Credit Card | ₹500 | 4.8% | ₹3,693* |
| IndianOil Kotak Credit Card | ₹449 | 4% | ₹3,240* |
If most of your spending looks like the example above, the IndianOil HDFC Bank Credit Card may suit you better: it would leave you ₹3,693 a year, against ₹3,178 with the HPCL FIRST Power Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the difference between IDFC FIRST Power and Power+?
Power costs ₹199 a year and the fee is reversed at ₹50,000 of yearly spends. Power+ costs ₹499 and needs ₹1.5 lakh. Power earns 21 points per ₹150 on HPCL fuel (3.5%), while Power+ earns 30 points (5%). Power gives 2.5% on grocery and utility bills against 5% on Power+, and only Power+ has domestic lounge access.
How much is the IDFC FIRST Power fuel limit each month?
The 3.5% fuel reward applies to up to ₹5,000 of HPCL fuel in a statement cycle, which is 700 points or ₹175. Fuel above that, and fuel at non-HPCL pumps, earns no points.
Is the IDFC FIRST Power Credit Card free?
Not fully. The joining fee is ₹199 plus GST and must be paid before the card is sent. From the second year, the ₹199 annual fee is reversed if you spent ₹50,000 in the previous anniversary year.
What income do I need for the FIRST Power card?
IDFC FIRST Bank asks for a yearly income of ₹3 lakh or more, an age of at least 21 years, Indian citizenship and a healthy credit score. Approval is at the bank's discretion.