IDFC FIRST Power HPCL Credit Card
IDFC First Bank · RuPay
Why this card?
- 5% back in reward points on groceries and bills and recharges; 0.5% on other spends
- ₹499 joining and annual fee; renewal fee waived on ₹1.5 lakh yearly spend
- 4 domestic airport lounge visits a year
- Zero forex markup
Card details
- Issuer
- IDFC First Bank
- Network
- RuPay
- Annual Fee
- ₹499
- Joining Fee
- ₹499
- Reward Type
- points
- Best Reward Rate
- 5% on fuel at hpcl
- Forex Markup
- Zero
- Domestic Lounge
- 4/yr
- Min. Monthly Income
- ₹25,000
- Rates verified
- 2026-10-06
Our verdict
IDFC FIRST Power HPCL is a fuel-focused card for HPCL-loyal car owners. It earns 30X points (about 5% back) on HPCL fuel spends, plus 1.5% in Happy Coins via the HP Pay app, for up to 6.5% in savings, and also pays about 5% on grocery and utility spends. It is no longer lifetime free: the fee is ₹499, waived at ₹1.5 lakh annual spend. Other spends earn about 0.5% back as points.
Pros
- Up to 6.5% savings at HPCL — 5% back as points plus 1.5% in Happy Coins via the HP Pay app
- About 5% back on grocery and utility spends
- About 0.5% back as points on other spends
- 0% forex markup and 4 domestic lounge visits
Cons
- ₹499 joining and annual fee, waived at ₹1.5 lakh annual spend
- HPCL-exclusive — BPCL and IOC users earn only the base rate
- No fuel surcharge waiver on this card
- HP Pay app is needed for the extra 1.5% Happy Coins