IDFC HPCL Credit Card – A Complete Guide to Features, Benefits & More

Ramesh is a frequent traveller who spends ₹8,000 a month on fuel and ₹5,000 on groceries. He is saving every rupee with the IDFC HPCL Power+ Credit Card. For instance, he saves ₹520 on fuel, earns ₹250 in grocery rewards, and gets exclusive offers and lifestyle benefits on his everyday spending.

So, it's a smart choice for anyone wanting to save on everything while shopping and fuelling up.

IDFC First Bank is another institution committed to making life easier, and it has collaborated with HPCL to ease the fuel payments of millions of motorists. With almost five million FASTags issued so far, the bank will help drivers save precious time and avoid the hassle of long queues at toll plazas.

Motorists make about two million transactions daily, which shows how small changes can significantly improve daily commutes.

Like Ramesh, anyone with an IDFC HPCL Power Credit Card can enjoy fuel savings, reward points on everyday transactions, and cashback on their first fuel and EMI transactions. The bank's digital-first approach helps customers manage payments during transactions, making daily life easier.

What is an IDFC HPCL Credit Card?

It's a joint offering from IDFC FIRST Bank and HPCL under the IDFC FIRST HPCL Power and Power+ brand, which provides perks such as discounted fuel, rewards points, etc. These credit cards are designed to offer you savings for fuel purchases with rewards for general spending.

IDFC First Power Credit Card

Perfect card for saving money on fuel and everyday spending- You save 6.5% at HPCL stations and on groceries and utilities, 5%. Add to this a ₹500 cashback on the first fuel transaction made within 30 days from activation. Some spending categories include limits such as HPCL Fuel, Grocery, and Utilities—the perfect card for the HPCL enthusiast and a sound introductory card.

IDFC First Power Plus Credit Card

The HPCL IDFC FIRST Power Plus Credit Card is an excellent choice for people who spend a lot on fuel and daily essentials. It has an annual fee of ₹499 and gives a 6.5% reward on fuel purchases. While other cards may offer higher rewards, they usually come with higher costs, making this card more affordable.

In addition to fuel savings, it also provides rewards on groceries, utility bills, and FASTag recharges. Extra benefits through it are free access to airport lounges, discounted movie tickets, and roadside assistance.

Welcome benefits of IDFC HPCL Credit Card

1. IDFC FIRST Bank Fuel Cashback Offer

• FIRST Power Credit Card: Get ₹250 cashback on your first fuel transaction of ₹250 or more at HPCL fuel stations.
• FIRST Power+ Credit Card: Get ₹500 cashback on your first fuel transaction of ₹500 or more at HPCL fuel stations.
  
  

Details:

• Where: Only at HPCL-authorised fuel stations.
• When: The offer is valid until March 31, 2025.

How to Claim

• This is available only on FIRST Power and FIRST Power+ Credit Cards.
• You must make the first fuel purchase within 30 days of card setup.
• FIRST Power needs to be a transaction amount of ₹250 or more. For FIRST Power+, it has to be an amount of ₹500 or more.
• Cashback will be credited to your account 45 days after card setup.
• Only cardholders who have paid the joining fee can be offered this deal.

2. IDFC FIRST Bank EMI Cashback Offer

• Get 5% cashback (up to ₹1000) on your first EMI transaction with a tenure of 6 months or more.

Details:

• Where: Available on FIRST Power and FIRST Power+ Credit Cards.
• When: Offer valid until March 31, 2025.

How to Claim:

• The offer applies only on your first EMI transaction within 30 days of setting up your card.
• The EMI must be for 6 months or more (not for 3 months).
• The value of the transaction must be ₹2,500 or above.
• The cashback amount will be credited to your account within 60 days from the offer expiry date.

Essential Conditions

• Offer valid once per cardholder
• Applicable on FIRST Power and FIRST Power+ Credit Cards
• It cannot be applied for purchases at jewellery and fuel stores
• 6m, 9m, 12m, 18m, 24m, or 36m EMI options. However, you can’t change the tenure once you choose one option.
• A processing fee of 1% of the transaction value (minimum ₹99), plus GST, will be charged when you convert to EMI. This fee will be added to your first EMI installment.
• The EMI amount is part of the month's Minimum Amount Due (MAD), so you need to pay it to avoid interest charges.
• No cash back for EMI transactions that are refunded or cancelled.
• If you cancel the EMI early (foreclosure), a 3% fee will be charged, and the outstanding balance will be due immediately.

Note: No coupon codes are needed; this offer is over and above any other merchant offers.

3. Zoomcar Offer—₹1000 Off on Rentals

• Get ₹1000 off on Zoomcar rentals using the code ALIDFCFIRST. 
  
  

Offer Details

• Where: Available only on Zoomcar Self-Drive Cars
• When: Valid till 31st March 2025.

How to Redeem Fuel Discount on IDFC HPCL Credit Card?

• Visit Zoomcar's website.
• Choose your location, date, time and car
• At the checkout page, input promo code ALIDFCFIRST
• Pay with a FIRST Power or FIRST Power + Credit Card.

Limitations

• The discounted amount is ₹1000.
• The minimum length of the trip is 2 days.
• Once per cardholder.
• The discount is applied to the booking value, excluding taxes.

Other Terms

• Zoomcar and IDFC FIRST Bank can change or cancel the offer without notice.
• They can also cancel the offer if they suspect misuse.
• For any issues with the offer, contact Zoomcar customer support at help@zoomcar.com.

4. Eco Rent A Car—Chauffeur-Driven Rentals

• Get up to 50% off on chauffeur-driven car rentals. 

Details

• Where: Only on the IDFC FIRST Bank Eco Rent-A-Car platform. 
• When: Valid until March 31, 2025. 

Discount Breakdown

• 30% off on all car categories in all cities across India. 
• 40% off for S-Class cars in Delhi NCR, Mumbai, and Bengaluru.
• 50% off for commuter vans in Delhi NCR, Mumbai, and Bengaluru.
• 50% off for Chrysler Limousine in Delhi NCR only.

How to Redeem 50% on Chauffeur-Driven Rentals?

• Go to the Eco Rent-A-Car website.
• Choose your city, pick-up location, date, time, and car.
• Pay using an IDFC FIRST Power or FIRST Power+ Credit Card.

Important Conditions

• The offer is only available for FIRST Power and FIRST Power+ Credit Cards.
• You can use the offer multiple times during the validity period.
• The entire booking should be paid through your IDFC FIRST Bank Credit Card.
• IDFC FIRST Bank is not liable for the quality of the service or any problem you may encounter. For service-related issues, please contact Eco Rent A Car directly.
• IDFC FIRST Bank can withdraw or cancel the offer without prior notice.

For enquiries

• Call: +91-9654999777 or 011-40794079
• Email: cars@ecorentacar.com

5. HP Pay Offer—1.5% Saving on Fuel Transactions

• Avail 1.5% savings on fuel transactions up to ₹150 per month at HPCL fuel stations

Details

• Where: Redeemed payments through the HP Pay App using the QR code scan at HPCL Fuel Stations or the credit card facility on the HP Pay payment gateway.
  
• HP Pay website
• When: Till March 31, 2025

How to Redeem

• Download the HP Pay application, which is available on both Android and iOS.
• Scan the QR code at any HPCL-authorised fuel station.
• Enter the amount to be paid by checking the name of the fuel station.
• Deselect all options except for the Credit Card option when making the payment.
• Pay with the FIRST Power or FIRST Power+ Credit Card details.

Savings Details

• 6 Happy coins per ₹100 spent in fuel using the Pay by QR credit card option (1 Happy coin = ₹0.25).
• 3 Happy coins per ₹100 spent on HP Pay wallet uploads.
• Up to ₹150 savings per month in Happy coins, which you can use in the HP Pay app.

Important Conditions

• Happy coins will be credited to your HP Pay app.
• The offer is only valid for fuel transactions at HPCL stations that match authorised merchant IDs (MIDs).
• Transactions not using the HP Pay app or at non-authorised HPCL stations are not eligible for the savings.
• HPCL and IDFC FIRST Bank will notify you of any changes to the offer 1 month in advance.

Additional Notes

• The offer is only for IDFC FIRST Bank FIRST Power and FIRST Power+ Credit Cards.
• You can use this offer multiple times during the validity period.
• Only fuel transactions are eligible for savings.

Difference between IDFC HPCL Power and IDFC HPCL Power+ credit cards

1. Charges and Fees

2. Fee and Waiver

Here's the information about the fee and waiver in a table

3. IDFC First HPCL Power/Power+ Credit Card Rewards

Here’s information about IDFC First HPCL Power/Power+ Credit Card Rewards in the table

4. Rewards on Fuel Spends

Here’s the information about rewards for fuel spending in a table

5. Real Benefits of Fuel Spends

Here's a table of the real benefits of fuel spending of the IDFC HPCL Power and IDFC HPCL Power+ Credit Cards

6. Rewards on Miscellaneous Spends

Here's a simple table about the rewards for miscellaneous spending of the IDFC HPCL Power and IDFC HPCL Power+ credit cards

7. Max Spend Analysis

Here’s a table for the maximum spend caps of the IDFC HPCL Power and IDFC HPCL Power+ credit cards:

7. Complimentary Insurance Coverage

Here’s a table about Complimentary Insurance Coverage of IDFC HPCL Power and IDFC HPCL Power+ credit cards

8. Eligibility Criteria

Here’s the information about the eligibility criteria for both the IDFC HPCL Power and IDFC HPCL Power+ credit cards

9. Required Documents

Here’s the simplified version of the documents required for applying for the IDFC First Power and IDFC HPCL Power+ credit cards

How to Apply for the IDFC FIRST Power Credit Card Online?

1. Visit the official website of IDFC Bank.
2. Click on the ‘First Power’ option.
3. Click on the ‘Apply Now’ option.
4. Enter your name, DOB, and mobile number, and click on ‘Get OTP.’
5. Enter the OTP received on your registered mobile number, accept the terms and conditions, then click ‘Proceed.’
6. Enter your PAN Card number, Gender, current residential address, and pincode, and click on ‘Proceed.’
7. Enter your employment details (occupation, company name, net monthly income), then click ‘Continue.’
8. Click on the ‘Check Best Offers’ option.
9. On the next page, E-Verify your income.
10. Click on the ‘Get Your Card’ option.
11. Complete your KYC by clicking on ‘Aadhar-based E-KYC.’
12. Enter your Aadhar card number and click on ‘Get OTP.’
13. Enter the OTP received on your registered mobile number and click on ‘Verify e-KYC.’
14. On the next page, your application reference number will be generated.
15. Scroll down a bit and click on ‘Start Video KYC Now.’
16. This is how you can apply for an IDFC Power Credit Card.

How to Apply for the IDFC FIRST Power Plus Credit Card Online?

1. Visit the official website of IDFC Bank.
2. Click on the ‘First Power Plus’ option.
3. Click on the ‘Apply Now’ option.
4. Enter your name, DOB, and mobile number, and click on ‘Get OTP.’
5. Enter the OTP received on your registered mobile number, accept the terms and conditions, and then click ‘Proceed.’
6. Enter your PAN Card number, Gender, current residential address, and pincode, and click on ‘Proceed.’
7. Enter your employment details (occupation, company name, net monthly income), then click ‘Continue.’
8. Click on the ‘Check Best Offers’ option.
9. On the next page, E-Verify your income.
10. Click on the ‘Get Your Card’ option.
11. Complete your KYC by clicking on ‘Aadhar-based E-KYC.’
12. Enter your Aadhar card number and click on ‘Get OTP.’
13. Enter the OTP received on your registered mobile number and click on ‘Verify e-KYC.’
14. On the next page, your application reference number will be generated.
15. Scroll down a bit and click on ‘Start Video KYC Now.’
16. This is how you can apply for an IDFC Power Plus Credit Card.

Note: Make sure that at the time of Video KYC, you have black paper, a pen, and your original PAN card with you.

• During the video KYC, an employee from HDFC Bank will appear on your screen, and he’ll ask you to show the original PAN card.
• Then he’ll ask you to sit straight and capture a photo of you.
• After that, he’ll tell you to put your signature on a blank piece of paper before him.
• After these steps, your video KYC will be completed.
• The card will be delivered to your address within a week.

These cards can be used for

• Customers frequently spending at HPCL petrol pumps: Individuals often filling at HPCL shall derive the most optimal benefits from rewards and savings for their spending at the pumps.
  
  
• Repeated shopper: For individuals who are shopping recurrently, they deliver good benefits for grocery purchases, utility bill payments, or more.
  
  
• IDFC FIRST FASTag users: Individuals using IDFC FIRST FASTag for their toll payments can enjoy the perks and benefits of these types of cards.
  
  
• People seeking a low annual fee credit card on fuel purchases: If you are specifically searching for a credit card with a low yearly charge and excellent rewarding benefits related to fuel products, then the IDFC HPCL Power card is fantastic.
  
  
• Those who want rewards for fuel discounts or other kinds of rewards: If you intend to redeem some rewards points with fuel discounts or any reward, then such cards are best suited to make the most out of your savings.

Customer Care Details for IDFC First Power Credit Card

• You can email IDFC First Bank’s credit card customer care at pno@idfcfirstbank.com or call them at 1800 10 888.
• For NRI customer care, email nriservices@idfcfirstbank.com .
• You can also contact them by sending a “Hi” message on 9555 555 555 via the mobile app.

Customer Care Details for IDFC First Power Plus Credit Card

• You can contact IDFC FIRST Bank's customer care for the IDFC FIRST Power+ credit card at 1800 10 888. The number is toll-free and available 24/7.
• WhatsApp: Text Message to 9555 555 555
• Email: Send an email to banker@idfcfirstbank.com
• Mobile application: IDFC FIRST Bank Mobile Banking Application.

Conclusion

The IDFC HPCL Power and Power+ Credit Cards are ideal for those seeking to save on fuel, groceries, and utilities while earning rewards on everyday purchases. Benefits include cashback on fuel, exclusive offers, and discounts on lifestyle services that make everyday spending more rewarding. 

No matter what type of consumer you are, be it a frequent shopper at HPCL outlets, a regular customer, or an IDFC FIRST FASTag user, cards promise outstanding value at the lowest fees and benefits. Apply now to begin saving and living a smoother, rewarding lifestyle!

FAQs Related to IDFC HPCL Credit Card

Q1: What is the use of a fuel credit card?

Fuel credit cards are generally offered in collaboration with significant fuel companies like Indian Oil, BPCL, and HPCL. The purpose of such cards is to help users save money on fuel purchases. Such cards provide discounts, cashback, and reward points for users who have fuel-related expenses. 

Q2: How much are the IDFC First Power Credit Card reward points worth?

On the IDFC First Power Credit Card, you earn 3 reward points for every ₹150 spent. Each reward point is valued at ₹0.25, and there is no cap on the reward points you can earn.

Q3: Do IDFC reward points have an expiry date?

No, IDFC reward points do not expire. They come with lifetime validity, so you can use them whenever you like without worrying about an expiry date.

Q4: Are fuel surcharges refundable?

Fuel surcharges are usually non-refundable since they are applied to fuel prices and transaction processing costs. However, if your credit card has a fuel surcharge waiver, you can get the amount of the surcharge refunded.

Q5: Is it better to use a fuel card or a credit card?

Getting a discount from a fuel card is better than a credit card. Fuel cards, at times, can cut prices lower than cash in certain places. While some credit cards give you cashback or rewards points for gasoline, the overall discounts on fuel cards are higher.

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?