IDFC FIRST HPCL Power & Power+ Credit Card Review
IDFC FIRST Bank’s HPCL co-brands are among the strongest fuel cards in India. There are two: the premium FIRST Power+ and the lighter FIRST Power. Both reward HPCL fuel heavily, add grocery, utility and FASTag accelerators, and — being available on RuPay — can be linked to UPI for everyday payments. Here is the verified review of both.
- Up to 6.5% value-back on fuel (Power+)
- 30X points on grocery & utility (Power+), per ₹150
- RuPay variants link to UPI — earn on scan-and-pay
- FASTag recharges also earn accelerated points
- Spend-linked lounge visit and movie discount (Power+); roadside assistance (both)
- Low ₹499 fee for Power+; entry Power is cheaper still
- Monthly caps on each reward bucket
- Best value only at HPCL pumps
- Point value depends on redemption
- Entry Power has tighter caps and fewer perks
- IDFC has been revising reward rates across cards — verify current MITC
Power vs Power+ at a glance
| Feature | FIRST Power (entry) | FIRST Power+ (premium) |
|---|---|---|
| Joining/annual fee | ₹199 + GST (waived on | ₹50,000 annual spend)₹499 |
| HPCL fuel | 21X RP/₹150 (≈3.5%, cap ₹175/mo) | 30X RP/₹150 (5%, cap ₹600/cycle; up to 6.5% with HP Pay) |
| Grocery & utility | 15X RP/₹150 (≈2.5%, cap ₹100/mo) | 30X RP/₹150 |
| FASTag | 15X RP/₹150 (cap ₹50/mo) | 30X RP/₹150 (cap ₹50/cycle) |
| HP Pay app bonus | +6 Happy Coins/₹100 (cap ₹150/mo) | Applicable |
| Welcome voucher | ₹250 (1st HPCL txn ≥₹250) | ₹500 (1st HPCL txn ≥₹500) |
| Lounge access | Limited / none | 1 domestic lounge visit a quarter (on ₹20,000 spend in the previous month) |
Eligibility & documents
Age
21 years and above
Income
₹3 lakh+ a year
Recommended CIBIL
~720+
Network
RuPay (UPI-linkable) / Visa
Best for
Regular HPCL fuel buyers
Documents
PAN, Aadhaar, income & address proof
Rewards — the real math (Power+)
- HPCL fuel, FASTag: 30X reward points per ₹150 (5%, capped at ₹600 a cycle) — the headline 6.5% return when stacked with HP Pay’s 1.5%.
- Grocery & utility: 30X reward points per ₹150 — capped at ₹100 of points (₹2,000 spend) per statement cycle.
- Other retail: 3X reward points per ₹150.
- Welcome: ₹500 gift voucher on your first HPCL fuel transaction of ₹500+ within 60 days; 5% cashback up to ₹1,000 on first EMI conversion.
Worked example (Power+): a household spending ₹5,000/month on HPCL fuel, ₹8,000 on grocery/utility and ₹3,000 on FASTag earns heavily-accelerated points across all three buckets. Within the monthly caps, the effective return on fuel and groceries comfortably beats most general cards — and on RuPay you can route grocery UPI payments through the card to keep earning.
Beyond fuel (Power+)
- 1 domestic lounge visit
- a quarter (on ₹20,000 spend in the previous month)25% off movie tickets (up to ₹100, once a month) and roadside assistance
- Accelerated rewards on groceries, utilities and FASTag recharges
- UPI linkage on RuPay for scan-and-pay rewards
Who this card is for
- Best fit (Power+): households with meaningful HPCL fuel + grocery/utility spends who want lounge perks too.
- Best fit (Power): lighter fuel users who want a cheaper card with solid HPCL value.
- Skip if: you fuel elsewhere or want a simple all-round cashback card.
How to apply & how to cancel
Apply: via idfcfirstbank.com or the IDFC FIRST app; pick Power or Power+. Cancel: call IDFC FIRST customer care after clearing dues; redeem points first.
Final verdict
The IDFC FIRST Power+ is one of the best fuel cards going — up to 6.5% on HPCL fuel, a standout 30X on grocery/utility, a spend-linked lounge visit and RuPay UPI linkage, all for a ₹499 fee. The entry Power is a cheaper, capped version for lighter users. Just track the monthly caps and, given IDFC’s recent reward revisions across its portfolio, confirm the latest MITC before applying. For HPCL households, it earns a permanent wallet spot.
Frequently asked questions
What’s the difference between Power and Power+?
Power+ (₹499) offers higher reward rates (up to 6.5% on fuel, 30X on fuel/grocery/utility), a spend-linked quarterly lounge visit and a ₹500 welcome voucher. The entry Power is cheaper with tighter caps, ~3.5% on HPCL fuel and a ₹250 voucher.
Can I link it to UPI?
Yes — the RuPay variant can be linked to UPI, so you can earn rewards on scan-and-pay transactions.
Are the rewards capped?
Yes — each reward bucket has a monthly cap. Confirm the current limits on idfcfirstbank.com.
What’s the welcome benefit?
Power+: ₹500 voucher on first HPCL fuel transaction ≥₹500 (plus 5% cashback up to ₹1,000 on first EMI conversion). Power: ₹250 voucher on first HPCL fuel transaction ≥₹250.
Data current as of October 2026, checked against IDFC FIRST Bank’s official card pages and notices. IDFC has been revising reward rates across cards — confirm current MITC on idfcfirstbank.com before applying.