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IDFC FIRST HPCL Power+ Credit Card
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Quick facts
IDFC FIRST HPCL Power+ Credit Card
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IDFC FIRST HPCL Power+ Credit Card
Alternative to BPCL/IOCL for HP pump users.
Key Benefits
Realistic net value (moderate user)
₹3,360/year
Annual fee
₹499
Issuer headline rate: 30 pts/₹150 — see calculator for caps
After ₹499 fee & ₹630 forex. Based on ₹40,000/mo spend.
12,400 users matched · Verified 2026-06-25
Apply directly with the bank. We never call you. The bank may contact you on their application form.
We earn commission if approved — at no cost to you. Zero sales calls.
Our transparency commitment
✓ Reward caps shown in absolute ₹ — not just "5% cashback"
✓ Exclusions listed upfront — fuel, EMI, rent, wallet
✓ Point conversions with conservative ₹/point rates
Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.
All Benefits
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
- HPCL fuel: 30 pts/₹150 (cap ₹5,000 eligible spend/mo)
- Groceries: 5X points
- Other spends: 1X points
- HPCL fuel rewards
- Fuel surcharge waiver
- Roadside assistance
- Annual fee waiver at ₹1,50,000 yearly spend
- Fuel benefit: 1% surcharge waiver on HPCL fuel ₹400–₹4,000
- Welcome bonus up to ₹500
- Best for: HPCL pump users
- Best for: Commuters
Source: IDFC HPCL Power+ T&Cs
BPCL, IOCL & surcharge waivers
UPI rewards (credit on UPI)
UPI credit not supportedVisa/Mastercard — UPI credit not supported.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Reward Structure
Source: IDFC HPCL Power+ T&Cs
HPCL fuel
30 pts/₹150
Cap: ₹5,000 eligible spend/mo
Groceries
5X points
Other spends
1X points
Excluded categories (no rewards)
Fee waiver at
₹1,50,000 annual spend
Fuel waiver
1% surcharge waiver on HPCL fuel ₹400–₹4,000
What You Actually Earn (in ₹)
Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.
Gross rewards / year
₹3,990
Before fees & forex
Costs / year
₹630
Fee ₹0 + forex ₹630
Net value / year
₹3,360
0.7% effective return on spend
Points earned (all categories)
≈ 1,163 pts/mo (13,956 pts/yr) before caps · at ₹0.25/pt that's ~₹290.75/mo (~₹3,489/yr) in reward value
Category-wise breakdown
Fuel (HPCL only)
Spend ₹4,000/mo · 30 pts per ₹150 spend
₹2,400/year
₹200/mo
₹4,000 → 800 pts/mo × ₹0.25/pt = ₹200/mo800 pts/mo (9,600 pts/yr) × ₹0.25/pt → ₹200/mo
Groceries
Spend ₹6,000/mo · 5 pts per ₹150 spend
₹600/year
₹50/mo
₹6,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo200 pts/mo (2,400 pts/yr) × ₹0.25/pt → ₹50/mo
All other eligible spends
Spend ₹24,500/mo · 1 pts per ₹150 spend
₹490/year
₹40.83/mo
₹24,500 → 163 pts/mo × ₹0.25/pt = ₹40.83/mo163 pts/mo (1,956 pts/yr) × ₹0.25/pt → ₹40.83/mo
Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹1,50,000 waiver threshold.
Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.
Best for
- →HPCL pump users
- →Commuters
Points → INR Conversion Guide
Marketing says "10X points" — here's what that actually means in your pocket.
fuel — 30 pts per ₹150 spend
You spend
₹5,000
You earn
1000 pts
Worth ≈
₹250.00
@ ₹0.25/point
Capped at ₹5,000/month spend for accelerated rate
groceries — 5 pts per ₹150 spend
You spend
₹10,000
You earn
333 pts
Worth ≈
₹83.33
@ ₹0.25/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Still deciding? Compare side-by-side or get a personalized shortlist.
Fees & Charges — Full Disclosure
All amounts in INR. Everything that can reduce your net value.
Joining fee
Charged in first year
₹499
Annual / renewal fee
Waived on ₹1,50,000 annual spend
₹499
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user net math
Eligibility Snapshot
Public criteria from IDFC HPCL Power+ T&Cs. Bank makes final decision.
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
FAQ
How much can I actually earn with IDFC FIRST HPCL Power+ Credit Card?+
At moderate spend (₹40,000/mo), gross rewards are about ₹3,490/year. After the ₹499 annual fee, net value is approximately ₹3,360/year. Use the calculator above to model your own spends.
What is the minimum income for IDFC FIRST HPCL Power+ Credit Card?+
₹20,000/month for salaried applicants (indicative — bank decides).
What spends do NOT earn rewards?+
EMI, Rent, Wallet, Insurance.
Does CardHungry pull my CIBIL score?+
No. We use public eligibility criteria only. The bank will check CIBIL when you apply.
How do I get the annual fee waived?+
Spend ₹1,50,000 in a calendar year to get the ₹499 renewal fee reversed.
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Compare all →Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.