← Part of IDFC First Credit Cards in India
IDFC FIRST Bank offers two co-branded fuel credit cards with HPCL: the FIRST Power and FIRST Power+ variants. These cards provide up to 6.5% savings on HPCL fuel spends, along with accelerated rewards on daily expenses like groceries and utilities. As of 2026, the Power+ variant offers annual savings of up to ₹18,500, equivalent to over 175 litres of fuel.
| Parameter | Details |
|---|---|
| Card Type | Co-branded Fuel Credit Card (with HPCL) |
| Variants | IDFC FIRST Power Credit Card, IDFC FIRST Power+ Credit Card |
| Network | RuPay |
| Key Savings (Power+) | Up to 6.5% on HPCL fuel spends (includes surcharge waiver, value back, and 1.5% cashback by HPCL); 5% on groceries, utilities, and IDFC FIRST FASTag recharges (within caps) |
| Key Savings (Power) | Up to 5% on HPCL fuel; 2.5% on groceries, utilities, and IDFC FIRST FASTag recharges |
| Welcome Benefit (Power+) | ₹500 gift voucher on 1st HPCL fuel transaction (₹500+ within 60 days of card setup); ₹250 Shoppers Stop voucher on 1st UPI transaction (within 15 days of card setup, valid till 31 Mar 2026) |
| Welcome Benefit (Power) | ₹250 gift voucher on 1st HPCL fuel transaction |
| Annual Savings (Power+) | Up to ₹18,500 (equivalent to 175+ litres of fuel) |
| Annual Savings (Power) | Almost 65 litres of fuel annually |
| Reward Point Value | 1 RP = ₹0.25 |
| Reward Points on HPCL Fuel (Power+) | 30X for every ₹150 spent (up to ₹12,000/month fuel spend CAP) |
| Reward Points on HPCL Fuel (Power) | 21X for every ₹150 spent |
| Reward Points on Groceries & Utilities (Power+) | 30X for every ₹150 spent |
| Reward Points on Groceries & Utilities (Power) | 15X for every ₹150 spent (up to ₹4,000/month spend CAP) |
| Reward Points on IDFC FIRST FASTag (Power+) | 30X for every ₹150 spent |
| Reward Points on IDFC FIRST FASTag (Power) | 15X for every ₹150 spent (up to ₹2,000/month spend CAP) |
| Reward Points on Other Retail (Power+) | 3X for every ₹150 spent |
| Reward Points on Other Retail (Power) | 2X for every ₹150 spent |
| Bonus Rewards on Hotel Bookings (App) | 26.67% (effective 18th June 2026, via FIRST Rewards Gallery on IDFC FIRST Bank Mobile App) |
| Bonus Rewards on Flights (App) | 13.33% (effective 18th June 2026, via FIRST Rewards Gallery on IDFC FIRST Bank Mobile App) |
| Complimentary Roadside Assistance | Worth ₹1,399 |
| First EMI Conversion Cashback (Power+) | 5% up to ₹1,000 |
| Processing Time | 7-10 business days |
| Customer Trust | Trusted by 1.2+ million Indians |
These cards are designed to offer significant savings for individuals with regular HPCL fuel consumption and everyday spending, with the Power+ variant providing d benefits and higher reward rates.
Power vs Power+ Card: Key Differences
The IDFC FIRST Bank HPCL Power and Power+ Credit Cards offer distinct benefits tailored to different spending habits. The Power+ variant provides up to 6.5% savings on fuel and 5% on groceries, while the Power card offers up to 5% fuel savings and 2.5% on groceries, as of 2026.
| Feature | FIRST Power Card | FIRST Power+ Card |
|---|---|---|
| Card Variant | Entry-level | Premium/Upgraded |
| Joining Fee | ₹199 + GST | ₹499 + GST |
| Annual Fee | ₹199 + GST | ₹499 + GST |
| Savings on HPCL Fuel Spends | Up to 5% (via rewards and loyalty points) | Up to 6.5% (via rewards and loyalty points) |
| Savings on Groceries & Utilities | 2.5% (as rewards, up to ₹4,000/month) | 5% (as rewards) |
| Savings on IDFC FIRST FASTag Recharge | 2.5% (as rewards, up to ₹2,000/month) | 5% (as rewards) |
| Reward Points on HPCL Fuel (per ₹150) | 21X Reward Points | 30X Reward Points |
| Reward Points on Other Retail (per ₹150) | 2X Reward Points (uncapped) | 3X Reward Points |
| Reward Point Value | 1 RP = ₹0.25 | 1 RP = ₹0.25 |
| Network | RuPay Select | RuPay Select |
| Domestic Airport Lounge Access | Not included | 1 complimentary access per quarter (on minimum monthly spends of ₹5,000) |
| Roadside Assistance (RSA) | Complimentary (worth ₹1,399) | Complimentary (worth ₹1,399) |
| Welcome Benefit (First HPCL Fuel Transaction) | ₹500 gift voucher (on ₹500+ transaction within 60 days of card set-up) | ₹500 gift voucher (on ₹500+ transaction within 60 days of card set-up) |
| Shoppers Stop Voucher (First UPI Transaction) | Not included | ₹250 voucher (on 1st UPI transaction within 15 days of card set-up, valid till March 31, 2026) |
| Cashback on First EMI Conversion | Not included | 5% cashback up to ₹1,000 |
| Bonus Rewards on Hotel Bookings (via App) | 26.67% (effective June 18, 2026) | 26.67% (effective June 18, 2026) |
| Bonus Rewards on Flight Bookings (via App) | 13.33% (effective June 18, 2026) | 13.33% (effective June 18, 2026) |
| Recommended Monthly Fuel Spends | No specific CAP mentioned | Up to ₹12,000 for optimal benefits |
The Power+ card offers higher reward rates and additional lifestyle benefits like lounge access, making IT suitable for users with higher monthly fuel and utility expenses.
Fuel Savings & Rewards: Data Points
The IDFC FIRST Bank HPCL Credit Cards offer significant savings on fuel and daily expenses, with the Power+ variant providing up to 6.5% value back on HPCL fuel spends. Cardholders can earn up to 30X Reward Points on specific categories, redeemable at ₹0.25 per point (as of 2026).
| Metric | FIRST Power Card Value | FIRST Power+ Card Value |
|---|---|---|
| Maximum fuel savings on HPCL fuel spends | Up to 5% | Up to 6.5% |
| Savings on Groceries & Utility payments | 2.5% as rewards (up to ₹4,000/month) | 5% as rewards |
| Savings on IDFC FIRST FASTag recharges | 2.5% as rewards (up to ₹2,000/month) | 5% as rewards |
| Reward points on HPCL Fuel & LPG (per ₹150 spent) | 21X Reward Points | 30X Reward Points |
| Reward points on Groceries & Utility (per ₹150 spent) | 15X Reward Points | 30X Reward Points |
| Reward points on IDFC FIRST FASTag recharge (per ₹150 spent) | 15X Reward Points | 30X Reward Points |
| Reward points on other retail transactions (per ₹150 spent) | 2 Reward Points (uncapped) | 3X Reward Points |
| Value of 1 Reward Point | ₹0.25 | ₹0.25 |
| Bonus Reward Points on hotel bookings via IDFC FIRST Bank Mobile App (effective 18th June 2026) | 26.67% | 26.67% |
| Bonus Reward Points on flights via IDFC FIRST Bank Mobile App (effective 18th June 2026) | 13.33% | 13.33% |
| Annual fuel savings | Almost 65 litres | Up to 175+ litres |
| Welcome gift | Not specified | ₹1,500 (includes ₹500 gift voucher on first HPCL fuel transaction of ₹500+ within 60 days) |
| Cashback on first EMI conversion | Not specified | 5% up to ₹1,000 |
| Shoppers Stop voucher on first UPI transaction (within 15 days of card set-up, valid till 31 Mar 2026) | Not specified | ₹250 |
| Complimentary domestic airport lounge access | Not specified | 1 per quarter (on minimum monthly spends of ₹5,000) |
| Complimentary Road Side Assistance | Not specified | Worth ₹1,399 |
| Movie ticket discount | Not specified | Up to 25% |
| Maximum monthly HPCL fuel expenditure for optimal benefits | Not specified | Up to ₹12,000 |
| Annual savings potential | Not specified | Up to ₹18,500 |
The Power+ card offers d benefits like airport lounge access and higher reward rates, making IT suitable for users with higher monthly fuel and utility expenses.
How to Apply for HPCL Credit Card
Applying for an IDFC FIRST Bank HPCL Credit Card involves a straightforward online process or a visit to a branch. The processing time for the HPCL IDFC FIRST Power+ Credit Card typically takes 7-10 business days after application submission.
Applicants must meet specific eligibility criteria, including an annual income of ₹3 lakh or more for the Power+ variant and being an Indian citizen aged 21 years or above.
- Online Application: Visit the official IDFC FIRST Bank website or use the IDFC FIRST Mobile Banking App. To the ‘Credit Cards’ section and select the ‘HPCL IDFC FIRST Power+ Credit Card’ or ‘HPCL IDFC FIRST Power Credit Card’ to begin the application.
- Branch Visit: Applicants can also visit any nearby IDFC FIRST Bank branch to complete the application process in person.
- Required Documents: Key documents include proof of identity such as a PAN Card, Aadhaar card, Driver’s License, Passport, or Voter’s ID. The bank may also request a credit report if available.
- Eligibility Check: The bank will review your details, creditworthiness, and ensure you meet criteria like a good credit score and the minimum age of 21 years. For the Power+ card, an annual income of ₹3 lakh or more is required.
- Internal Assessment: Issuance of the credit card is subject to IDFC FIRST Bank’s internal credit assessment and sole discretion.
- Existing Cardholders: If you already hold other IDFC FIRST Bank Credit Cards, you can still apply, but the credit limit will be shared across all your existing cards.
- Application Submission: Once all details are filled and documents uploaded or submitted, the application is formally submitted for review.
- Status Tracking: After submission, the bank will process the application, which usually takes 7-10 business days for the HPCL IDFC FIRST Power+ Credit Card.
The bank prioritizes customer-centricity, aiming to provide a seamless application experience for its co-branded HPCL fuel credit cards.
Benefits & Privileges of HPCL Cards
The IDFC FIRST Bank HPCL Credit Cards offer substantial savings on fuel and daily expenses, with the Power+ variant providing annual savings of up to ₹18,500, equivalent to over 175 litres of fuel. Both cards deliver accelerated rewards on categories like groceries, utilities, and FASTag recharges, overall value for cardholders.
These co-branded cards also include lifestyle benefits such as movie discounts and complimentary lounge access, making them a full choice for everyday spending.
- Fuel Savings: Cardholders can save up to 6.5% on HPCL fuel spends, which includes a surcharge waiver, value back, and a 1.5% cashback via the HP Pay App. This benefit applies to both Power and Power+ variants, with the Power+ card offering optimal savings for fuel expenditures up to ₹12,000 per month.
- Accelerated Rewards: The FIRST Power+ Credit Card offers 30X Reward Points for every ₹150 spent on HPCL fuel, groceries, utilities, and IDFC FASTag recharges. The FIRST Power Credit Card provides 21X Reward Points on HPCL fuel and 15X on groceries, utilities, and FASTag recharges for every ₹150 spent.
- Welcome Benefits: New IDFC FIRST Power+ Credit Card users receive a ₹1,500 welcome gift. , a ₹500 gift voucher is provided on the first HPCL fuel transaction of ₹500 or more within 60 days of card setup.
- Travel Privileges: The Power+ variant offers complimentary domestic airport lounge access every quarter, subject to a minimum monthly spend of ₹5,000. Both cards also provide bonus reward points on flight and hotel bookings made via the IDFC FIRST Bank Mobile App, effective June 18, 2026 (26.67% on hotels, 13.33% on flights).
- Entertainment & Lifestyle: Power+ cardholders can enjoy up to 25% off on movie tickets. Both cards include complimentary roadside assistance worth ₹1,399 and offer discounts across various partnered brands.
- UPI Compatibility: As RuPay network cards, both HPCL IDFC FIRST Bank Credit Cards are compatible with major UPI apps like Google Pay, PhonePe, Cred, and Paytm. The Power+ card offers a ₹250 Shoppers Stop voucher on the first UPI transaction within 15 days of card setup (valid until March 31, 2026).
- Referral Rewards: Cardholders can earn up to ₹10,000 in rewards by referring friends to IDFC FIRST Bank Credit Cards.
These benefits collectively offer significant value, particularly for individuals with regular fuel and household expenses, making the IDFC FIRST Bank HPCL Credit Cards a strong choice for everyday savings.
Eligibility & Documents Required
To apply for the IDFC FIRST Bank HPCL Credit Card in 2026, applicants must be Indian citizens aged 21 years or above with a good credit score. The bank requires an annual income of ₹3 lakh or more for the FIRST Power+ Credit Card variant.
The final approval for any IDFC FIRST Bank credit card is subject to the bank’s internal assessment and discretion.
- Age: Applicants must be 21 years or older as of 2026.
- Nationality: Only Indian citizens with a permanent residential address in India are eligible.
- Income: A minimum annual income of ₹3 lakh is generally required for the FIRST Power+ Credit Card.
- Credit Score: A good CIBIL or Experian credit score is for approval.
- Existing Cards: Applicants should not hold other IDFC FIRST Bank Credit Cards to be eligible for the HPCL co-branded cards.
- Proof of Identity: Valid documents include PAN Card, Aadhaar card, Driver’s License, Passport, or Voter’s ID.
- Proof of Address: Utility bills (electricity, water), Aadhaar card, or passport serve as valid address proofs.
- Proof of Income: Latest salary slips, bank statements, or income tax returns (ITR) are required to verify income.
The application processing time typically takes 7-10 business days after all documents are submitted.
HPCL IDFC FIRST vs ICICI HPCL Super Saver
The IDFC FIRST HPCL Power+ Credit Card offers up to 6.5% savings on HPCL fuel, combining reward points and HP Pay app benefits. In comparison, the ICICI HPCL Super Saver card also provides up to 6.5% savings, including cashback, HP Pay app benefits, and a 1% fuel surcharge waiver.
| Feature | IDFC FIRST HPCL Power+ | ICICI HPCL Super Saver |
|---|---|---|
| Fuel Savings on HPCL Fuel Spends | Up to 6.5% (5% via reward points + 1.5% via HP Pay app) | Up to 6.5% (4% cashback + 1.5% via HP Pay app + 1% fuel surcharge waiver) |
| Fuel Surcharge Waiver | Included in 6.5% savings | 1% on spends between ₹400 and ₹4,000 |
| Rewards on Groceries & Utilities | 5% savings | 5% savings (capped at ₹100 worth of reward points per month) |
| Rewards on FASTag Recharges | 5% savings | Not explicitly mentioned as accelerated |
| Travel Spends Value-back | Up to 8.83% via Travel & Shop (26.67% bonus on hotel bookings, 13.33% bonus on flights via IDFC FIRST Bank Mobile App, effective June 18, 2026) | Up to 12X rewards on iShop |
| Welcome Benefits | ₹500 gift voucher on 1st HPCL fuel transaction (min. ₹500 within 60 days), 5% cashback up to ₹1,000 on 1st EMI conversion, ₹250 Shoppers Stop voucher on 1st UPI transaction (within 15 days, valid till Mar 31, 2026) | 2,000 bonus reward points on spending ₹5,000 and payment of joining fee, ₹100 cashback on recharge via HP Pay app |
| Joining Fee | ₹499 | ₹199 (for HPCL Coral) |
| Annual Savings | Up to ₹18,500 (equivalent to 175+ litres of fuel) | Not explicitly stated, focus on cashback and waiver |
While both cards offer competitive fuel savings, the IDFC FIRST HPCL Power+ provides higher uncapped rewards on groceries and utilities, along with specific travel booking benefits from June 2026.
Important Terms & Conditions
The IDFC FIRST Bank HPCL Credit Cards come with specific terms that impact rewards and eligibility. For instance, bonus reward points on flight and hotel bookings via the FIRST Rewards Gallery are effective from June 18, 2026.
Applicants must meet age and income criteria, and adhere to bank policies regarding existing credit cards.
- Eligibility Criteria: Applicants for the FIRST Power and Power+ cards must be Indian citizens aged 21 years or above with a good credit score. An annual income of ₹3 lakh or more is typically required for the Power+ variant.
- Existing Cardholder Restriction: Individuals holding other IDFC FIRST Bank Credit Cards are generally not eligible for the HPCL IDFC FIRST Power and Power Plus credit cards.
- Reward Point Value: Each reward point earned on these cards holds a redemption value of ₹0.25, which applies across various redemptions.
- Bonus Travel Rewards: Effective June 18, 2026, cardholders receive 26.67% bonus reward points on hotel bookings and 13.33% on flight bookings made through the IDFC FIRST Bank Mobile App’s ‘FIRST Rewards Gallery’.
- Welcome Offer Expiry: The ₹250 Shoppers Stop voucher for the first UPI transaction within 15 days of card setup on the Power+ card is valid until March 31, 2026.
Final card issuance remains subject to IDFC FIRST Bank’s internal assessment and discretion.
Actionable Steps to Maximize Savings
Maximizing savings with the IDFC FIRST Bank HPCL Credit Card involves strategic use of its reward structure and leveraging specific offers. For instance, the IDFC FIRST Power+ Credit Card offers up to ₹18,500 in annual savings, equivalent to over 175 litres of fuel (as of 2026).
- Utilize the HP Pay App for Fuel: Achieve up to 6.5% savings on HPCL fuel spends by using the HP Pay app, which includes surcharge waiver, value back, and an additional 1.5% cashback from HPCL.
- Optimize Grocery and Utility Spends: The FIRST Power+ Credit Card provides 5% savings as rewards on monthly grocery and utility payments, while the FIRST Power Card offers 2.5% savings on these categories (up to ₹4,000 per month).
- Recharge IDFC FIRST FASTag Smartly: Earn 2.5% savings as rewards on IDFC FIRST FASTag recharges with the FIRST Power Card (up to ₹2,000 per month), and 5% with the FIRST Power+ Card.
- use Welcome and Activation Offers: For the FIRST Power+ Card, make your first HPCL fuel transaction of ₹500 or more within 60 days to receive a ₹500 gift voucher. Also, complete your first UPI transaction within 15 days of card setup to get a ₹250 Shoppers Stop voucher (valid until March 31, 2026).
- Book Travel via IDFC FIRST Bank Mobile App: Effective June 18, 2026, both Power and Power+ cards offer 26.67% bonus reward points on hotel bookings and 13.33% bonus reward points on flights made through the ‘FIRST Rewards Gallery’ section of the IDFC FIRST Bank Mobile App.
- Meet Spend Thresholds for Lounge Access: Maintain minimum monthly spends of ₹5,000 on the IDFC FIRST HPCL Power Plus credit card to unlock complimentary domestic airport lounge access every quarter.
By strategically aligning your spending with the card’s reward categories and promotional offers, you can significantly your overall savings.
Key Takeaways
- The IDFC FIRST Power+ Credit Card offers up to 6.5% value back on HPCL fuel spends and 5% on groceries/utilities.
- Both Power and Power+ cards provide significant bonus reward points (up to 26.67%) on travel bookings via the IDFC FIRST Bank Mobile App from June 18, 2026.
- New cardholders can benefit from welcome offers like a ₹500 fuel voucher and a ₹250 Shoppers Stop voucher for initial transactions.
Review the specific benefits for the Power or Power+ variant and apply directly on the IDFC FIRST Bank website or mobile app to start saving.
Frequently Asked Questions (FAQs)
What are the main benefits of the IDFC FIRST Bank HPCL Power+ Credit Card?
The IDFC FIRST Bank HPCL Power+ Credit Card offers up to 6.5% savings on HPCL fuel spends through rewards and loyalty points. IT also provides accelerated 5% savings on everyday expenses like groceries and utilities. Cardholders receive a complimentary Road Side Assistance worth ₹1,399 and insurance coverage.
What are the activation benefits for the IDFC FIRST Bank HPCL Power+ Credit Card?
New cardholders can receive a ₹500 gift voucher on their first HPCL fuel transaction of ₹500 or more within 60 days of card setup. There is also a 5% cashback up to ₹1,000 on the first EMI conversion. , a ₹250 Shoppers Stop voucher is offered on the first UPI transaction within 15 days of card setup, valid until March 31, 2026.
How do I earn bonus reward points on travel bookings with the IDFC FIRST Bank HPCL Credit Card?
Effective June 18, 2026, you earn bonus Reward Points on travel bookings made via the IDFC FIRST Bank Mobile App’s ‘FIRST Rewards Gallery’. This includes 26.67% bonus Reward Points on hotel bookings and 13.33% bonus Reward Points on flights, over and above your base rewards.
What is the maximum fuel spend capping for rewards on the IDFC FIRST Bank HPCL Power+ Credit Card?
The rewards on HPCL fuel spends are capped at a maximum of ₹12,000 per statement cycle for the IDFC FIRST Bank HPCL Power+ Credit Card. This ensures that the accelerated savings are applied within a defined spending limit. Rewards are specifically for HPCL branded fuel purchases.
Can I apply for the IDFC FIRST Bank HPCL Credit Card online?
Yes, you can apply for the IDFC FIRST Bank HPCL fuel credit card online through the IDFC FIRST Bank website or their Mobile Banking App. You can also visit a nearby IDFC FIRST Bank branch to complete the application process. Card issuance is subject to the bank’s internal assessment.
What is the reward point value for the IDFC FIRST Bank HPCL Credit Cards?
Reward points earned on IDFC FIRST Bank HPCL Credit Cards can be redeemed at a value of ₹0.25 per point. This redemption value applies to both the Power and Power+ variants of the card. You can redeem these points for various benefits offered by the bank.
Are there any specific eligibility criteria for the IDFC FIRST Bank HPCL Credit Card?
IDFC FIRST Bank assesses eligibility based on factors like your CIBIL score, income, and employment type. While specific figures can vary, a CIBIL score above 750 generally improves approval chances. You must meet the bank’s internal assessment criteria for card issuance.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.