IDFC FIRST HPCL Power+ Credit Card
IDFC · RUPAY★ 4.3/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
5% on Fuel
Up to 5% value (incl. waiver) on HPCL fuel; extra via HP Pay
1% on Other
1% base value on other spends
Annual Fee Waiver
Fee of ₹499/yr fully waived when you spend ₹50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹200/month
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
⛽ FUEL BENEFITS
Co-branded card — maximum savings at HPCL stations.
Up to 5%
Fuel reward rate
1%
Surcharge waiver
₹200
Waiver cap/month
PARTNER FUEL STATIONS
- Co-branded card — maximum rewards at HPCL fuel stations
- Up to 5% effective return on fuel purchases
- 1% fuel surcharge waiver at all fuel stations
IDFC FIRST HPCL Power+ earns up to 5% value on HPCL fuel purchases, linked via HP Pay app, with a 1% surcharge waiver. The RuPay UPI link makes it a strong daily driver beyond fuel — useful for HPCL-loyal commuters who want an all-in-one card.
Who is this for?
For daily commuters who fill up at HPCL pumps and want to earn on fuel without paying a high annual fee. The BPCL Octane from SBI earns slightly more, but IDFC Power+ has the lowest fee at ₹499 (waived at ₹50K).
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Fuel | reward points | 5% | ₹1,500 |
| Other | reward points | 1% | — |
Fuel: Up to 5% value (incl. waiver) on HPCL fuel; extra via HP Pay · Hindustan Petroleum (HPCL)
Other: 1% base value on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Fuel (5% back).
Eligibility & documents
What your idfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Never-expiring points
The concern
Maximum value requires routing through the HP Pay app — pump-counter swipes earn less than the headline suggests.
Bottomline
CardAdvisor Rating: 4.3 / 5Power+ is a competent HPCL fuel card with a RuPay/UPI bonus that makes it more useful day-to-day than most fuel co-brands. The fee is low and waives easily. HPCL commuters can stop reading and apply.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the IDFC FIRST HPCL Power+ Credit Card are taken from IDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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