Basic Information

Welcome Benefits Welcome Benefit: ₹250 benefit on first HPCL fuel transaction of ₹250+ within 60 days of card setup | First EMI Benefit: 5% cashback up to ₹1,000 on first EMI conversion within 30 days | Merchant Offers: Offers worth ₹1,000+

Card Details Card Name: FIRST Power Credit Card | Bank Name: IDFC FIRST Bank | Card Type: HPCL Co-Branded Fuel Credit Card

Payment Network Network: RuPay

Eligibility Eligibility: Indian resident; Salaried: 21+ years; Self-employed: 25+ years; Stable monthly income; Good credit score; Subject to IDFC FIRST Bank internal credit policies.

Rewards Program

Reward Points HPCL Fuel: 21X Reward Points, up to 700 Reward Points / ₹175 per statement cycle | UPI and Retail: 2X Reward Points on UPI and other eligible retail transactions | UPI Exclusions: Fuel, Insurance and EMI | Grocery and Utility: 2.5% savings as rewards | FASTag: 2.5% rewards on IDFC FIRST FASTag recharge

Redemption Redemption: Reward Points can be redeemed against online purchases | Reward Nature: Rewards are designed to function like cash | Expiry: Reward Points do not expire

Travel Benefits

Travel Offers Hotels: 26.67% bonus on hotels through IDFC FIRST Bank Mobile App | Flights: 13.33% bonus on flights through IDFC FIRST Bank Mobile App | Note: Bonus rewards are over applicable base rewards

Shopping Benefits

Online Shopping Online Shopping: 2X Reward Points on other eligible retail transactions

Brand Offers Welcome Merchant Offers: Offers worth ₹1,000+ | Additional Offers: Additional merchant offers available

Fuel Benefits

Fuel Savings Fuel Savings: Up to 5% savings on fuel expenses | Fuel Surcharge Waiver: Not separately applicable under the revised structure; equivalent value is incorporated into fuel rewards

Fuel Rewards HPCL Fuel Rewards: 21X Reward Points on HPCL Fuel | Maximum Reward: Up to 700 Reward Points = ₹175 per statement cycle

Dining & Entertainment

Entertainment Entertainment: Merchant/lifestyle offers available through IDFC FIRST Bank offers

Daily Spending Benefits

Utility Bills Utility Rewards: 2.5% rewards/savings on eligible utility expenses | Commercial Utility Fee: 1% fee on aggregate commercial utility spends above ₹20,000 per billing cycle | Personal Utility: Personal utility usage does not attract the commercial utility fee

Grocery Grocery Benefits: 2.5% savings as Reward Points on grocery expenses

Insurance & Protection

Insurance Personal Accident Cover: ₹2 lakh

Card Security Lost Card Liability Cover: Up to ₹25,000

Digital Features

Payments Payment Type: RuPay Credit Card with UPI | UPI Enabled: Yes

Add-on Features

Family Benefits Add-on Card: Free add-on card

EMI Features EMI Conversion: Credit-card transactions can be converted into EMIs through IDFC FIRST Bank Mobile App | EMI Terms: EMI offers and processing terms apply

Bill Payments Mobile Banking: Mobile Banking App available for card management, transactions and statements

Fees & Charges

Joining Charges Joining Charges: ₹199 + GST

Annual Charges Annual Charges: ₹199 + GST | Annual Fee Waiver: Annual fee reversed on crossing ₹50,000 spends in previous anniversary year

Finance Charges Interest / APR: 0.71%–3.85% per month / 8.5%–46.2% p.a. | Late Payment Fee: 15% of Total Amount Due | Late Payment Fee Minimum: ₹100 | Late Payment Fee Maximum: ₹1,300

Cash Advance Charges Cash Withdrawal Fee: ₹199 per withdrawal + GST | Interest-Free ATM Cash Withdrawal: Up to 45 days, subject to payment by due date

Other Charges Over-Limit Charge: 2.5% of over-limit amount | Minimum Over-Limit Charge: ₹550

Customer Support

Service Customer Support: 24×7 customer support available through IDFC FIRST Bank

Performance & Ratings

Best Usage Best For: HPCL Fuel, Fuel Savings, Grocery, Utility Bills, FASTag, UPI and everyday spending

Advantages Advantages: HPCL fuel rewards, Up to 5% fuel savings, 2.5% grocery/utility rewards, 2.5% FASTag rewards, 2X UPI/retail rewards, Low/dynamic interest rates, Interest-free ATM cash withdrawal facility, Roadside assistance, Personal accident cover, Lost-card liability protection

Limitations Limitations: Fuel surcharge waiver is not separately applicable under the revised reward structure, Fuel rewards have a statement-cycle cap, Annual fee waiver requires ₹50,000 eligible annual spend, Lounge access is not listed as a FIRST Power benefit on the current official page