IDFC HPCL FIRST Power Credit Card

  • Joining Fee: Rs. 199 + GST
  • Renewal Fee: Rs. 199 + GST
  • Best Suited For: Fuel
  • Reward Type: Reward Points |
  • Welcome Benefites: NA
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IDFC Bank recently launched its first co-branded credit card with HPCL, the FIRST Power credit card. This RuPay credit card is in association with HPCL, which allows users to save Rs. 7000 every year and almost 65 litres of fuel every year. Cardholders can enjoy fuel benefits by paying at more than 20,000 HPCL outlets through the HP Pay App, along with a host of other lifestyle privileges. Also, as an introductory offer, the card comes with a zero joining fee till 30th April 2023, and you get welcome benefits up to Rs. 1400 with the card. You earn reward points on fuel, grocery, utility, and other retail spends that do not expire ever and can be used to redeem for a host of stuff. You can even benefit from dynamic interest rates beginning at 9% per annum and get reward points whenever you refer a friend for the credit card and the card gets set up. Read on to learn more about this credit card.

New Features

Spend Based Waiver

Renewal fee is waived off on spending Rs. 50,000 in the card anniversary year

Interest Rates

0.75 – 3.5% per month

Add-on Card Fee


Rewards Redemption Fee

Rs. 99 plus taxes

Fuel Surcharge

1% fuel surcharge waiver capped at a maximum of Rs. 100 per month

Foreign Currency Markup


Cash Advance Charges

Rs. 199 per withdrawal

Movie & Dining

Get an exclusive discount of Rs. 150 on Swiggy orders of Rs. 500 or above.


Complimentary roadside assistance worth Rs. 1399

International Lounge Access


Rewards Rate

Save up to 5% on your fuel spends. Save 2.5% as rewards on your utility and grocery expenses. 2.5% as rewards on your IDFC FASTag recharge. 2x rewards on all other retail spends.



Insurance Benefits

Get personal accident cover worth Rs. 2 Lakhs and lost card liability cover worth Rs. 25,000

Reward Redemption

You can pay for both online and offline transactions at select merchants instantly with your Reward Points. Redeem reward points for membership and gift vouchers of your favorite brands or for products on IDFC Bank’s Reward Redemption Catalog portal.

Domestic Lounge Access


Zero Liability Protection

Cardholder is not liable for fraudulent transactions if he reports it to the bank in a timely manner


This card comes at a low joining fee of Rs. 199 plus applicable taxes.


There is no complimentary lounge access provided with this card. There aren’t any golf benefits along with the IDFC HPCL FIRST Power Credit Card.

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