IDFC FIRST Bank

IDFC FIRST Bank HPCL FIRST Power+ Credit Card

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.

₹499 joining, ₹499 a year
Works on UPI (RuPay)

Apply nowVia our referral partner. We may earn a commission.

Good

5% on fuel: 3rd of 5 fuel cards we compare
Fee pays for itself from about ₹800 a month of fuel
Annual fee waived at ₹1,50,000 of spend a year
Works on UPI and earns 0.5% there

Watch out for

Tight cap: rewards on groceries and bills stop after about ₹2,000 of spend a month
Lounge visits need about ₹20,000 of spend a month

Who it's for: People who spend about ₹800 or more a month on fuel and use airport lounges.
Skip it if: You spend under ₹800 a month on fuel.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 0.5% (base rate)
Fuel: 5%
Groceries: 5%
UPI: 0.5%
Bills and utilities: 5%
Dining and food delivery: 0.5%

Fees and charges

Joining fee: ₹499
Annual fee: ₹499
Fee waiver: 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
Forex markup: 0%
Fuel surcharge waiver: No surcharge waiver; HPCL fuel earns accelerated reward points instead

Benefits and eligibility

Airport lounge: 4 domestic visits a year (1 a quarter); spend ₹20,000 in a calendar month to use the benefit the next month.
Card network: Not published by the bank
UPI payments: Yes, as a RuPay credit card
Minimum income (salaried): ₹25,000 a month
Eligibility: Indian citizen, age 21 or above, annual income ₹3 lakh or more (about ₹25,000/month), healthy credit score. Issuance at the bank's sole discretion.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the IDFC FIRST Bank HPCL FIRST Power+ Credit Card?

Apply nowVia our referral partner. We may earn a commission.

CreditParakh is not a bank or lender. Approval, limits and final terms are decided by IDFC FIRST Bank.

What changed recently

From 26 Oct 2026UpcomingRewardsWorse for you
International spends will no longer earn reward points.
Before: Points at the standard rate (0.5% back) on international spends · After: No points on international spends
Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.
Bank's notice or terms
9 Sept 2026FeesBetter for you
No forex markup on international transactions.
After: 0% forex markup
The notice covers all IDFC FIRST cards ('savings of up to 3.5%') and doesn't state this card's earlier markup.
Bank's notice or terms
18 Jun 2026Reward capsWorse for you
Points are earned only on spends up to the credit limit in each billing cycle.
After: Points capped at spends up to the credit limit per cycle
Bank's notice or terms
18 Jun 2026OtherWorse for you
The monthly 25% movie discount (up to ₹100) now needs at least one card transaction in the previous calendar month.
Before: No spend condition stated · After: At least one transaction in the previous calendar month
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the IDFC FIRST Bank HPCL FIRST Power+ Credit Card worth it in 2026?

Yes, if you spend about ₹800 or more a month on fuel and use airport lounges. Below that, no free card we compare earns anything on fuel. The catch: tight cap: rewards on groceries and bills stop after about ₹2,000 of spend a month.

Is the IDFC FIRST Bank HPCL FIRST Power+ Credit Card lifetime free?

No. It costs ₹499 to join and ₹499 a year, plus GST. 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.

Does the IDFC FIRST Bank HPCL FIRST Power+ Credit Card work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 0.5% on UPI spends.

Does the IDFC FIRST Bank HPCL FIRST Power+ Credit Card give airport lounge access?

4 domestic visits a year (1 a quarter); spend ₹20,000 in a calendar month to use the benefit the next month.

What earns no rewards on the IDFC FIRST Bank HPCL FIRST Power+ Credit Card?

No points on insurance premiums, fuel at non-HPCL pumps, EMI transactions or ATM cash withdrawals, and none on international spends from 26 October 2026. HPCL fuel rewards apply only at HPCL-authorised merchant IDs. Other retail spends and UPI spends (3 points per ₹150) have no cap.

Is there a limit on rewards with the IDFC FIRST Bank HPCL FIRST Power+ Credit Card?

HPCL fuel earns 30 points per ₹150 on up to ₹12,000 of HPCL fuel spend per statement cycle (max 2,400 points = ₹600). The separate HP Pay Happy Coins (1.5%, max 600 coins = ₹150 a month on ₹10,000) come on top and aren't included in the rates we show. Grocery and utility spends combined earn 30 points per ₹150 on up to ₹2,000 per statement cycle (max 400 points = ₹100). IDFC FIRST FASTag recharges (via the bank's app) earn 30 points per ₹150 on up to ₹1,000 per statement cycle (max 200 points = ₹50). This is separate from the grocery-and-utility cap.

Who can get the IDFC FIRST Bank HPCL FIRST Power+ Credit Card?

The bank publishes a minimum income of ₹25,000 a month for salaried applicants. Self-employed people can apply: Age 25 or above if self-employed; annual income ₹3 lakh or more (the same bar as for salaried applicants); good credit score. Indian citizen, age 21 or above, annual income ₹3 lakh or more (about ₹25,000/month), healthy credit score. Issuance at the bank's sole discretion. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read IDFC FIRST Bank's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 18 Oct 2026 on IDFC FIRST Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

Pros and cons