IDFC FIRST Bank HPCL FIRST Power Credit Card vs IDFC FIRST Bank HPCL FIRST Power+ Credit Card
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | IDFC FIRST Bank HPCL FIRST Power Credit Card | IDFC FIRST Bank HPCL FIRST Power+ Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Joining fee | ₹199 | ₹499 |
| Annual fee | ₹199 | ₹499 |
| Fee waiver | Annual fee reversed on spends of ₹50,000 or more in the previous anniversary year; joining fee must be paid (plus GST) before card dispatch | Annual fee reversed on spends of ₹1,50,000 or more in the previous anniversary year; joining fee must be paid (plus GST) before card dispatch |
| Everyday spends (value back) | 0.33% | 0.5% |
| Fuel (value back) | 3.5% | 5% |
| Groceries (value back) | 2.5% | 5% |
| UPI (value back) | 0.33% | 0.5% |
| Bills and utilities (value back) | 2.5% | 5% |
| Dining and food delivery (value back) | 0.33% | 0.5% |
| Rewards in short | HPCL fuel earns 3.5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries and utilities 2.5%, FASTag recharge 2.5%, other spends about 0.33%; each category is capped per statement cycle. | HPCL fuel earns 5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries, utilities and FASTag recharge 5%, other spends 0.5%; category caps apply, plus a free domestic lounge visit each quarter. |
| Works on UPI | Yes (RuPay) | Yes (RuPay) |
| Airport lounge | Not published by the bank | 4 domestic visits a year (1 a quarter); spend ₹20,000 in a calendar month to use the benefit the next month. |
| Forex markup | 0% | 0% |
| Fuel surcharge waiver | No surcharge waiver; HPCL fuel earns accelerated reward points instead | No surcharge waiver; HPCL fuel earns accelerated reward points instead |
| Card network | Not published by the bank | Not published by the bank |
| Minimum income (salaried) | ₹25,000 a month | ₹25,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the IDFC FIRST Bank HPCL FIRST Power Credit Card if
you buy little HPCL fuel and want the lowest fee
₹199 joining, ₹199 a year
Pick the IDFC FIRST Bank HPCL FIRST Power+ Credit Card if
you buy more than about ₹1,700 of HPCL fuel a month, or already hold an IDFC FIRST card
₹499 joining, ₹499 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Do they earn the same on groceries and bills?
In rupees, yes. Power pays 2.5% on up to ₹4,000 of grocery and utility spend a cycle and Power+ pays 5% on up to ₹2,000, so both top out at ₹100 a cycle. FASTag works the same way: 2.5% on ₹2,000 against 5% on ₹1,000, ₹50 either way.
Which can I get if I already have an IDFC FIRST card?
Only Power+. IDFC FIRST says existing cardholders can apply for Power+ but not Power.
Does fuel at any pump earn the higher rate?
No, only HPCL pumps. Both cards also earn 1.5% in Happy Coins when you pay through the HP Pay app, on up to ₹10,000 a cycle. Neither waives the fuel surcharge, and both charge a 1% fee once fuel spends pass ₹30,000 in a cycle.
Full details: IDFC FIRST Bank HPCL FIRST Power Credit Card · IDFC FIRST Bank HPCL FIRST Power+ Credit Card · find the card that fits your spending
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.