HPCL FIRST Power+ Credit Card benefits
- Fuel5%
back as points on HPCL fuel
up to ₹12,000 of fuel a cycle
- Rewards
Extra 1.5% as Happy Coins when you pay through the HP Pay app
- Rewards5%
back on grocery and utility bills
up to ₹2,000 of spends a cycle
- Lounge1
domestic lounge visit a quarter on ₹20,000 monthly spends
- ForexZero
foreign currency markup, and points that never expire
Good to know
- Annual fee ₹499, reversed on ₹1.5 lakh of yearly spends
HPCL FIRST Power+ Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| HPCL pumps30 points per ₹150 (5%) at authorised HPCL fuel stations, on up to ₹12,000 of fuel a statement cycle (2,400 points). Other fuel stations earn nothing. | 20 points per ₹100 | 2,400 |
| Groceries30 points per ₹150 (5%) on grocery, as set by the merchant category code. Shares a limit of 400 points a cycle (₹2,000 of spends) with utility bills. | 20 points per ₹100 | 400 |
| Bills and utilities30 points per ₹150 (5%) on utility bills. Shares the 400 point limit with grocery. Insurance premiums earn nothing. | 20 points per ₹100 | 400 |
| Everything else | 2 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.
All reward rules
- IDFC FIRST Bank values 1 reward point at ₹0.25. Other retail spends and UPI earn 3 points per ₹150, about 0.5%, with no limit.
- Paying for HPCL fuel through the HP Pay app adds 1.5% as Happy Coins, up to 600 a month, on top of the 5%. We do not count it.
- IDFC FIRST FASTag recharges earn 30 points per ₹150 (5%), up to 200 points a cycle.
- Welcome benefit: a ₹500 gift voucher on your first HPCL fuel spend of ₹500 or more within 60 days, and 5% cashback up to ₹1,000 on your first EMI.
- Bonus points on hotel and flight bookings in the IDFC FIRST Bank app.
- Reward points do not expire. The card has no fuel surcharge waiver.
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 | 5% (limit hit) | ₹800 |
| Dining and food delivery | ₹3,000 | 0.5% | ₹180 |
| Online shopping | ₹8,000 | 0.5% | ₹480 |
| Travel | ₹3,000 | 0.5% | ₹180 |
| Fuel | ₹3,000 | 5% | ₹1,800 |
| Bills and utilities | ₹3,000 | 5% (limit hit) | ₹400 |
| Everything else | ₹4,000 | 0.5% | ₹240 |
| Total | ₹30,000 | ₹4,080 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹4,080* |
That is ₹387 a year more than the IndianOil HDFC Bank Credit Card on the same spending.
HPCL FIRST Power+ Credit Card annual fee and charges
- Joining fee
- ₹499
- Annual fee
- ₹499
- Fee waiver
- ₹1,50,000 a year
- Foreign currency markup
- 0%
The annual fee from the second year is reversed on ₹1.5 lakh of spends in the previous card year. 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
IDFC FIRST Bank asks for an age of at least 21 years for salaried people and 25 years for self-employed people, Indian citizenship and a healthy credit score.
The bank alone decides approval and your credit limit.
HPCL FIRST Power+ Credit Card lounge access
4 domestic visits a year. Banks often set a spend condition, so read the reward rules above.
1 domestic airport lounge visit a quarter, on minimum monthly spends of ₹20,000.
Is the HPCL FIRST Power+ Credit Card right for you?
A card with a ₹499 fee that spending can waive, paying 5% at HPCL pumps and a below-average 0.5% elsewhere.
Worth its fee if you spend about ₹3,000 a month or more. Below that, the ₹499 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 5% back there, against 0.5% on most other spends.
- You spend ₹1,50,000 a year or more (about ₹12,500 a month), so the ₹499 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 fly a few times a year: it includes 4 domestic airport lounge visits a year.
Not for you if
- You spend less than about ₹12,500 a month: you would pay ₹589 a year with GST.
- You spend more than ₹12,000 a month at HPCL pumps: the higher rate stops there.
- You rarely use HPCL pumps: outside them the card pays 0.5%.
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 | ₹499 | 5% | ₹2,280* |
| IndianOil HDFC Bank Credit Card | ₹500 | 4.8% | ₹3,693* |
| IndianOil Kotak Credit Card | ₹449 | 4% | ₹3,240* |
*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 annual fee of the HPCL FIRST Power+ Credit Card?
The joining fee is ₹499 and the annual fee from the second year is ₹499, both before GST. The annual fee is reversed if you spend ₹1.5 lakh in the previous card year.
How much do I save on HPCL fuel with this card?
You earn 30 reward points per ₹150 at authorised HPCL stations, which is 5% because 1 point is worth ₹0.25. This applies to up to ₹12,000 of fuel a statement cycle. Paying through the HP Pay app adds 1.5% as Happy Coins, for up to 6.5% in total.
Does fuel at other companies' pumps earn rewards?
No. Only authorised HPCL fuel stations earn rewards. Fuel at other stations earns nothing, and the card has no fuel surcharge waiver.
What is the reward limit on grocery and utility bills?
Grocery and utility bills together earn 5% on up to ₹2,000 of spends in a statement cycle, which is 400 points. Spends above that earn nothing extra.
Does the HPCL FIRST Power+ card give lounge access?
Yes. You get 1 complimentary domestic airport lounge visit each quarter, if you spend at least ₹20,000 a month.
Who can apply for the HPCL FIRST Power+ Credit Card?
Indian citizens aged at least 21 years if salaried or 25 years if self-employed, with a healthy credit score.