Basic Information

Welcome Benefits ₹500 Gift Voucher on first HPCL fuel transaction of ₹500 or more within 30 days of card generation; 5% cashback up to ₹1,000 on first EMI conversion within 30 days; merchant offers worth up to ₹1,000; total stated welcome benefits up to ₹2,500

Card Details Card Name: IDFC FIRST Power+ Credit Card; Bank Name: IDFC FIRST Bank; Card Type: HPCL Co-branded Fuel Credit Card; Network: RuPay; Network Variant: RuPay

Card Category Fuel / Everyday Savings Credit Card

Payment Network rupay

Eligibility Minimum Age: 21 years; Nationality: Indian citizen; Annual Income: ₹3 lakh or more; Credit Score: Healthy credit score; Credit Usage: Within acceptable level; final approval subject to IDFC FIRST Bank's internal assessment

Rewards Program

Reward Points HPCL Fuel: 30X Reward Points per ₹150; Grocery & Utility: 30X per ₹150; IDFC FIRST FASTag: 30X per ₹150; UPI & Other Spends: 3X per ₹150; Reward Value: 1 Reward Point = ₹0.25; Expiry: Never expire

Cashback 5% cashback up to ₹1,000 on the first EMI conversion within 30 days of card setup

Redemption Reward Points can be redeemed against online purchases; also available for select in-store purchases; redemption fee ₹99 + GST

Milestone Rewards Annual Spend Benefit: ₹1,50,000 annual spend qualifies for annual fee reversal

Travel Benefits

Airport Lounge Domestic: 1 complimentary visit per quarter; Condition: minimum ₹20,000 monthly spends; applicable to select domestic lounges

Travel Offers Bonus Reward Points on flight and hotel bookings through IDFC FIRST Bank Mobile App; Hotel: +26.67% bonus; Flight: +13.33% bonus over applicable base rewards

Shopping Benefits

Online Shopping Reward Points can be used against online purchases; no specific Amazon/Flipkart/Myntra benefit stated

Brand Offers Merchant offers/discounts; welcome merchant offers worth up to ₹1,000

EMI Offers 5% cashback up to ₹1,000 on first EMI conversion; EMIfy purchases, transactions and balances

Fuel Benefits

Fuel Savings HPCL Fuel: up to 5% rewards; HP Pay: additional 1.5% value back through Happy Coins; combined fuel savings up to 6.5%

Fuel Rewards 30X Reward Points on HPCL fuel; maximum 2,400 Reward Points per statement cycle = ₹600

Dining & Entertainment

Movies 25% discount on movie tickets up to ₹100, once every calendar month

Entertainment Movie discount; merchant offers

Daily Spending Benefits

Utility Bills 30X Reward Points / ₹150 on eligible utility transactions; maximum 400 Reward Points per statement cycle = ₹100

Grocery 30X Reward Points / ₹150 on eligible grocery transactions; maximum 400 Reward Points per statement cycle = ₹100

Insurance Payments Insurance transactions excluded from 3X UPI/other-spend rewards

Insurance & Protection

Insurance Personal Accident Cover: ₹2 lakh; Personal Air Accident: cover available subject to policy terms; Travel Insurance: checked baggage loss/delay coverage subject to policy terms; Credit Shield: included; Purchase Protection: included

Card Security Zero Card Liability: Lost Card Liability; Counterfeit/Skimming Protection; Online Fraud/Phishing Protection

Extended Warranty Purchase Protection available; extended warranty specifically not stated

Digital Features

Payments UPI on Credit Card: Yes; RuPay card can be linked to UPI apps; merchant/P2M payments supported; UPI reward rate 3X on eligible transactions

Mobile Wallet Supported UPI apps include BHIM, PhonePe, Paytm, Google Pay, Freecharge, Slice, CRED and MobiKwik

Banking Features IDFC FIRST Bank Mobile Banking App; Net Banking; card management/control through digital banking

Add-on Features

EMI Features EMIfy purchases, transactions and outstanding balances; Balance Transfer facility

Bill Payments Credit-card bill payment through UPI; UPI AutoPay available for recurring payments

Fees & Charges

Joining Charges ₹499 + GST

Annual Charges ₹499 + GST; annual fee waived on spending ₹1,50,000 or more in the previous anniversary year

Finance Charges Interest: 0.71%–3.85% per month / 8.5%–46.2% per annum; Late Payment Fee: 15% of Total Amount Due, minimum ₹100, maximum ₹1,300

Cash Advance Charges Cash Withdrawal Fee: ₹199 + GST per transaction; Interest: 0% if ATM cash withdrawal is repaid by payment due date; interest-free period up to 45 days

EMI Charges EMI Facility: EMIfy purchases, transactions and balances; Welcome EMI Benefit: 5% cashback up to ₹1,000 on first EMI conversion within 30 days

Other Charges Overlimit Fee: 2.5% of over-limit amount, minimum ₹550; Reward Redemption Fee: ₹99 + GST

Customer Support

Service IDFC FIRST Bank customer support available 24×7

Emergency Services Emergency/roadside assistance available; complimentary Roadside Assistance up to 4 times/year

Performance & Ratings

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

Advantages Up to 6.5% HPCL fuel savings; 30X rewards on fuel/grocery/utility/FASTag; 3X on UPI & other eligible spends; quarterly domestic lounge; monthly movie discount; roadside assistance; insurance protection; never-expiring rewards; interest-free ATM cash withdrawal until due date

Limitations Lounge requires ₹20,000 monthly spend; fuel rewards limited by monthly cap; UPI rewards exclude fuel, insurance and EMI categories; 1% fuel fee applies if fuel spends exceed ₹30,000 in a statement cycle; education payments through third-party apps attract 1% surcharge, minimum ₹249