HPCL IDFC FIRST Power+ Credit Card

visaclassiccreditfuel expensesgroceryutility

Annual Fee

₹499

Base Reward

0.5% points

Foreign Markup

3.5%

Welcome Benefits

₹500 cashback on 1st transaction of ₹500 or above at HPCL fuel station

Product Highlights

Affordable joining and annual fee of ₹499
Decent savings on fuel expenses
Accelerated rewards on groceries, utilities, and FASTag recharges
No expiry of reward points
Offers reward points on UPI transactions

Category Rewards

fuel

4% savings on HPCL fuel

grocery

5% savings

utilities

5% savings

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50

HPCL

offline(up to ₹10,000 every month)

4% savings

Rewards Details

4% savings on HPCL fuel and LPG expenses, 1.5% savings on HP Pay App, 5% savings on IDFC FasTag, 5% savings on grocery and utility, 3X rewards on other expenses.

Reward Points — Redemption Value

1 Reward Point = ₹0.25

Benefits & Features

Domestic: 1 complimentary visit per quarter (Min ₹20,000 monthly spend required) Free domestic airport lounge access, once every quarter.

Pros & Cons

Pros

Affordable joining and annual fee of ₹499
Decent savings on fuel expenses
Accelerated rewards on groceries, utilities, and FASTag recharges
No expiry of reward points
Offers reward points on UPI transactions
Offers additional perks like free roadside assistance and insurance coverage

Cons

Spending limit to access domestic lounges has increased from ₹5,000 to ₹20,000
No international lounge access is provided
It does not offer golf benefits
1% fuel surcharge waiver is discontinued

Partner Merchants

HPCL

Fees & Charges

Annual Fee₹499

Joining Fee₹499

Foreign Markup3.5%

Interest Rate42.00%

Cash Advance₹199

Eligibility

Min Age

21 yrs

Salaried

₹3.0L+

Networks

visamastercard