M16S / IDFC First Bank / IDFC FIRST Power+ (HPCL) Credit Card
entry · cobrand, fuel, upi
IDFC FIRST Power+ (HPCL) Credit Card
The IDFC FIRST Power+ (HPCL) Credit Card costs Rs 499 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 0.5% (3X = 3 points per Rs 150 on other retail). Accelerated earn: 30X on HPCL fuel and LPG; 5% as points on grocery and utility; 5% on FASTag. The forex markup is 0%. Lounge visits in India: 1 per quarter. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 499+ GST
- Fee waived at
- Rs 1,50,000annual spend
- Base return
- 0.5%
- Forex markup
- 0%
- Interest
- 3.65%a month
Apply on idfcfirst.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 499 |
|---|---|
| Annual fee | Rs 499 |
| Annual spend that waives the feeunverified | Rs 1,50,000 |
| Fee notes | Rs 499 + GST joining and annual; waived on Rs 1.5 lakh previous-year spend (aggregator). |
Rewards
| Welcome benefit | Rs 500 voucher on first HPCL fuel txn above Rs 500; 5% cashback up to Rs 1,000 on first EMI (issuer listing: welcome benefits up to Rs 2,500) |
|---|---|
| Reward currency | Reward Points |
| Base earnunverified | 3X = 3 points per Rs 150 on other retail |
| Base return | 0.5% |
| Point valueunverified | 1 point = Rs 0.25 |
| Accelerated earnunverified | 30X on HPCL fuel and LPG; 5% as points on grocery and utility; 5% on FASTag |
| Capsunverified | HPCL fuel: 2,400 points (Rs 600) per cycle; grocery and utility Rs 2,000 a month; FASTag Rs 1,000 a month |
| Reward notes | Issuer listing states 'up to 6.5% fuel savings'. base_return_pct = 3 points per Rs 150 x Rs 0.25 = 0.5%. |
Travel and perks
| Domestic lounge | 1 per quarter |
|---|---|
| International lounge | None |
| Lounge conditionsunverified | Needs Rs 20,000 monthly spend (aggregator) |
| Forex markupunverified | 0% |
| Other freebies | 25% off movie tickets up to Rs 100 once a month; roadside assistance |
Charges and eligibility
| Interest per monthunverified | 3.65% |
|---|---|
| Late payment feeunverified | 15% of total amount due, min Rs 100, max Rs 1,300 |
| Cash advance fee | Rs 199 |
| Eligibilityunverified | Age 21+, income Rs 3 lakh a year (aggregator) |
| Fine-print notes | Dedicated issuer page not read; issuer listing confirms the fuel-savings headline and 1 domestic lounge visit per quarter. |
Questions
- What is the annual fee of the IDFC FIRST Power+ (HPCL) Credit Card?
- Rs 499 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
- Does the IDFC FIRST Power+ (HPCL) Credit Card give airport lounge access?
- Yes. In India: 1 per quarter. Outside India: none listed. Conditions: Needs Rs 20,000 monthly spend (aggregator)
- What is the forex markup on the IDFC FIRST Power+ (HPCL) Credit Card?
- 0% of each foreign-currency transaction, before GST.