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Features of IDFC FIRST HPCL Power Plus Credit Card

  • Fuel Savings and Rewards Structure:
    The IDFC FIRST HPCL Power Plus Credit Card offers up to 6.5% savings on fuel purchases at HPCL outlets. This includes 30 reward points for every ₹150 spent on HPCL fuel, diesel, and LPG (capped at 2400 points per month) plus 1.5% cashback via HP Pay App (6 Happy Coins per ₹100, capped at 600 coins monthly). The 1% fuel surcharge waiver on direct HPCL transactions (up to ₹100/month) further reduces fuel costs.
  • Rewards on Everyday Spending:
    Earn 5% rewards (30 points/₹150) on groceries and utility bills (capped at ₹2000/month) and FASTag recharges (₹1000/month). All other retail spends earn 3X rewards (3 points/₹150) with no cap. The card's RuPay network supports UPI transactions at the same reward rates, integrating seamlessly with digital payments.
  • Lifestyle and Travel Privileges:
    Enjoy one complimentary domestic airport lounge visit quarterly (after ₹20,000 spend in previous month), 25% movie discounts (up to ₹100/month via Paytm), and four annual roadside assistance services (worth ₹1399). Car rental discounts include 50% off on chauffeur-driven rentals and ₹1000 off ZoomCar bookings.
IDFC FIRST Wealth Credit Card
    • Rewards on Everyday Spending:
    • Grocery and Utility Bill Payments: The card provides a 5% reward rate on grocery and utility bill payments, offering 30 reward points per ₹150 spent, with a monthly cap of ₹2000. This is ideal for household expenses like groceries, electricity, water, and gas bills.
    • IDFC FIRST FASTag Recharges: Earn 5% reward on IDFC FIRST FASTag recharges with 30 reward points per ₹150 spent, capped at ₹1000 per month—perfect for frequent toll road commuters.
    • Other Retail Transactions: Get 3X rewards (3 points per ₹150 spent) on all other retail transactions with no monthly cap, making it versatile for dining, shopping, and more.
    • Lifestyle and Travel Privileges:
    • Complimentary Domestic Airport Lounge Access: One free lounge visit per quarter if you spend ₹20,000+ in the previous month, enhancing your travel comfort.
    • Movie Ticket Discounts: Enjoy 25% off (up to ₹100 per month) on movie tickets booked via Paytm using promo code “IDFCCCFM.”
    • Complimentary Roadside Assistance: Worth ₹1,399, available 4 times a year, covering breakdowns and accidents through Global Assure.
    • Financial Flexibility and Low Costs:
    • Low Annual and Joining Fee: ₹499 plus taxes, waived if spending exceeds ₹1.5 lakh in the previous year.
    • Dynamic Interest Rates: Interest ranges from 0.75% to 3.5% per month (9%–42% annually), benefiting cardholders with good credit.
    • Zero Interest on ATM Withdrawals: ₹199 flat fee per cash withdrawal with no interest until due date.
    • Reward Point Flexibility:
    • Never-Expiring Reward Points: Accumulate points without worrying about expiration.
    • Versatile Redemption Options: Redeem points as statement credits, gift vouchers, memberships, products, or use “pay by points” at select merchants.
    • Additional Features:
    • UPI Compatibility: Link the RuPay Select card to UPI apps (GPay, Paytm, Cred) and earn rewards on digital payments.
    • Insurance Benefits: Includes ₹2 lakh personal accident cover and ₹25,000 lost card liability cover.
    • Referral Program: Earn up to 10,000 reward points by referring friends, with 2000 points per successful referral.
    • Car Rental Discounts: Up to 50% off chauffeur-driven rentals and ₹1000 off ZoomCar with promo code “ALIDFCFIRST.”
    • Technical and Operational Features:
    • Contactless Payments: Supports quick, secure contactless transactions.
    • Digital Card Management: Manage card details, set limits, reset PINs, and view statements via the IDFC FIRST Bank app.
    • EMI Conversion Options: Convert purchases above ₹2500 into EMIs with a 5% cashback (up to ₹1000) on the first EMI transaction within 30 days, for tenures of 6+ months (excluding jewelry and fuel).
IDFC FIRST Wealth Benefits

Benefits of IDFC FIRST HPCL Power Plus Credit Card

  • 1. Fuel and Mobility Savings:
    • Significant Fuel Savings: The card’s most compelling benefit is the potential to save up to 6.5% on fuel purchases at HPCL outlets, combining 5% reward points (30 points per ₹150 spent, capped at ₹12,000 monthly) and 1.5% cashback (6 Happy Coins per ₹100) via the HP Pay App. This translates to annual savings of up to ₹18,500, equivalent to over 175 liters of fuel, making it ideal for frequent drivers.
    • Fuel Surcharge Waiver: Cardholders enjoy a 1% fuel surcharge waiver, capped at ₹100 per statement cycle, on direct transactions at HPCL pumps. This reduces the effective cost of fuel, enhancing overall savings.
    • FASTag Recharge Rewards: The 5% reward on IDFC FIRST FASTag recharges (up to ₹1000 monthly) benefits commuters who use toll roads regularly, reducing the cost of toll payments and streamlining travel expenses.
    • Rewards on Everyday Expenses: The card offers a 5% reward rate on grocery and utility bill payments, capped at ₹2000 per month. This benefit allows cardholders to earn significant rewards on essential household expenses.
    • Uncapped Rewards on Retail Spends: For all other retail transactions, the card provides 3X rewards (3 points per ₹150 spent) with no upper limit.
    • Lifestyle and Entertainment Perks: One complimentary domestic airport lounge visit per quarter, upon spending ₹20,000 in the previous month, adds a premium touch for travelers.
    • Financial Advantages: With a joining and annual fee of ₹499, and waiver on ₹1.5 lakh annual spend, it is accessible to a wide audience. Dynamic interest rates and a flat ₹199 fee on cash withdrawals with no interest until due date.
    • EMI Conversion Benefits: Get 5% cashback (up to ₹1000) on the first EMI conversion (minimum 6-month tenure, within 30 days of card setup). Make large purchases affordable while saving instantly.
    • Reward Point Benefits: Points never expire and can be redeemed for statement credits, gift vouchers, memberships, or used via “pay by points” at select merchants, giving you flexibility and long-term value.
    • Insurance and Roadside Assistance: Includes ₹2 lakh personal accident cover and ₹25,000 lost card liability cover. Complimentary RSA worth ₹1399 available four times annually, offering peace of mind on the road.
    • UPI Integration: Use the card via UPI apps like GPay and Paytm for online and offline payments, with the same reward rates as regular card transactions, ensuring convenience and consistency.
    • Referral and Welcome Benefits: Earn up to 10,000 reward points by referring friends (2000 points per referral). New users also get ₹500 cashback on first HPCL fuel transaction of ₹500 or more within 30 days.
    • Operational Benefits: Supports contactless transactions for fast, secure payments. The IDFC FIRST Bank mobile app enables full card management including PIN resets, limits, and statements for easy digital access.
    • Competitive Positioning: Compared to ICICI HPCL Coral (3.5%) and BPCL SBI Octane (high fee), this card offers 6.5% fuel savings at HPCL and better lifestyle perks at a lower cost—ideal for frequent HPCL users.
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How to Apply for IDFC FIRST HPCL Power Plus Credit Card

  • Online Application via Website: Visit IDFC FIRST Bank → Credit Cards → Select “HPCL Power Plus Credit Card” → Click “Apply Now”.
  • Check Eligibility: Click on “Check Eligibility” or “Apply Now” and enter your mobile number and basic details to verify eligibility.
  • Enter Personal Details: Fill in your name, date of birth, email ID, address, and employment details.
  • Provide Income Details: Enter your monthly income and employment information for credit evaluation.
  • Upload Required Documents: Upload scanned copies of PAN card, Aadhaar, and income proof (salary slip/ITR/bank statement).
  • Submit Application: Review the details, accept terms & conditions, and submit. You'll receive an SMS/email with your application reference number.
  • Apply via Mobile App:
    • Download the App: Install IDFC FIRST Bank app from Play Store or App Store.
    • Register/Login: New users register using mobile number; existing users log in directly.
    • Go to Credit Cards Section: Select “HPCL Power Plus Credit Card” and proceed with the digital application process.
    • Upload Documents & Submit: Complete KYC and upload necessary documents to finish the application.
  • Apply via HPCL Website:
    • Visit HPCL Site: Go to hindustanpetroleum.com → Partnerships → Credit Cards → Select “HPCL Power Plus Card”.
    • Redirected to Bank Site: You will be redirected to IDFC FIRST Bank’s application portal to complete the process.
  • Offline Application at Branch:
    • Find Nearby Branch: Use IDFC FIRST Bank’s branch locator to find one with credit card services.
    • Fill Application Form: Visit the branch, request the application form, and fill in your personal and income details.
    • Submit Documents: Provide photocopies of PAN, Aadhaar, and income proof. Staff will verify and submit your application.
  • Apply at Select HPCL Fuel Stations:
    • Visit Eligible Fuel Outlets: Check with HPCL outlets that accept applications.
    • Fill Form & Submit Documents: Complete the application form and hand over required documents. The application will be forwarded to IDFC FIRST Bank.
  • Processing Time: Application review and creditworthiness checks take 7–10 business days. You may be contacted for verification.
  • Track Application: Use the reference number received via SMS/email to check status on the bank’s website, mobile app, or call 1800 10 888.
  • Approval Notification: Once approved, you'll receive confirmation and card dispatch information via SMS/email.

Eligibility Criteria for IDFC FIRST HPCL Power Plus Credit Card

  • 1. Age Requirement
    • Minimum age: 21 years
    • No upper age limit, but financial stability is assessed for older applicants
  • 2. Citizenship and Residency
    • Must be an Indian citizen and resident
    • NRIs and foreign nationals are not eligible unless they have valid Indian address and income source
  • 3. Income Requirement
    • Minimum annual income: ₹3 lakh (approx. ₹25,000 per month)
    • Ensures applicants can manage card payments and spending thresholds
  • 4. Credit Score Requirement
    • Preferred credit score: 750 or above (CIBIL/Experian)
    • Applicants should maintain a credit utilization ratio below 30%
  • 5. Existing Card Holding Status
    • Applicants must not already hold any other IDFC FIRST Bank credit card
    • Includes Millennia, Classic, Select, etc.
  • 6. Employment and Income Stability
    • Salaried individuals: Minimum 6 months of continuous employment
    • Self-employed individuals: At least 2 years of business operations
  • 7. Income Documentation
    • Salaried: Salary slips, bank statements
    • Self-employed: Income Tax Returns (ITR), bank statements
  • 8. Additional Eligibility Factors
    • Clean credit history – no defaults or late payments
    • Debt-to-Income Ratio should ideally be below 40%
    • Stable residential address – preferably unchanged for 6+ months
  • 9. Special Considerations
    • Applicants referred by existing cardholders may get priority processing
    • Ideal for frequent HPCL fuel customers and those comfortable with RuPay network
  • 10. Application and Evaluation Process
    • Bank reviews personal details, documents, and credit report
    • Uses automated scoring models and may conduct manual review if required
  • 11. Tips to Improve Eligibility
    • Boost credit score by reducing outstanding balances and paying on time
    • Stabilize income and maintain proper documentation
    • Avoid multiple credit applications simultaneously
    • Close unused credit accounts to reduce DTI and CUR
  • 12. Common Challenges and Alternatives
    • Low score? Delay application and rebuild credit over 6-12 months
    • Income below ₹3 lakh? Try IDFC FIRST HPCL Power Credit Card (base variant)
    • Already hold an IDFC card? Consider BPCL SBI Card or ICICI HPCL Coral Card
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Documents Required for IDFC FIRST HPCL Power Plus Credit Card

  • 1. Proof of Identity (Any One):
    • PAN Card: Mandatory for identity and tax verification
    • Aadhaar Card: Widely accepted for ID and KYC linkage
    • Driver’s License: Valid if it includes photo and DOB
    • Passport: Acceptable for Indian residents and NRIs
    • Voter ID: Issued by the Election Commission of India
    • OCI/PIO Card: For NRIs to establish Indian origin
    • NREGA Job Card: Valid with photo for rural applicants
    • UIDAI Letter: UIDAI-issued letter with photo
  • 2. Proof of Address (Any One):
    • Aadhaar Card: Preferred for dual ID and address proof
    • Driver’s License: Must show current address
    • Passport: Must reflect residential address
    • Utility Bill: Electricity/water/gas bill not older than 3 months
    • Ration Card: If it includes applicant’s address
    • Bank Statement: From recognized bank within last 3 months
    • Property Registration Document: For owned properties
    • NREGA Job Card: Must include address
  • 3. Proof of Income:
    • For Salaried Individuals:
      • Last 3 months’ salary slips
      • Bank statement (salary account) for past 3–6 months
      • Latest Form 16 from employer
    • For Self-Employed Individuals:
      • ITR for last 2 years with income computation
      • 6–12 months’ business bank statement
      • Audited financials for past 2 years
  • 4. Additional Documents (If Requested):
    • Recent passport-size photograph (for branch or physical submission)
    • Employment proof (offer letter, employee ID, etc.)
    • Business registration certificate/GST (for self-employed)
    • Existing credit card statements (last 3 months)
  • 5. Document Submission Process:
    • Online: Upload during application; ensure PDFs or JPEGs under 5MB
    • Video KYC: Present originals via webcam or mobile
    • Offline: Submit self-attested copies at branch or HPCL outlet
  • 6. Tips for Smooth Processing:
    • Ensure all documents are valid and recent
    • Match name, address, and DOB across all documents
    • Use high-resolution scans (300 DPI or clear photos)
    • Label files appropriately (e.g., PAN_Card.pdf, Salary_Slip.pdf)
  • 7. KYC Compliance:
    • Verified via Aadhaar eKYC, CERSAI CKYC, or NSDL
    • Consent required for digital authentication

Factors Influencing IDFC FIRST HPCL Power Plus Credit Card

  • Credit Score and History: A credit score of 750+ improves approval odds. A clean repayment history further boosts confidence in your creditworthiness.
  • Income Stability: Annual income of ₹3 lakh or more is required. Stable employment (6+ months for salaried, 2+ years for self-employed) strengthens the application.
  • Credit Utilization Ratio: Keeping credit usage below 30% shows financial discipline and enhances approval chances and limit assignments.
  • Existing Credit Obligations: A high debt-to-income ratio (above 40%) may reduce approval likelihood. Evaluate your existing EMIs and credit card dues before applying.
  • No Existing IDFC Card Policy: Applicants cannot hold more than one IDFC FIRST credit card, ensuring responsible usage and limiting risk exposure.
  • Credit Limit Allocation: Based on income, credit score, and obligations. Higher limits are awarded to those with a strong financial profile.
  • Risk Assessment Models: Automated scoring models determine eligibility. Applicants with borderline profiles undergo manual review.
  • Document Verification Stringency: Inaccurate or mismatched documentation can cause delays or rejections. Ensure proper submission.
  • Fuel-Centric Reward Structure: Earn 6.5% on HPCL fuel spends, 5% on groceries and FASTag. Ideal for HPCL loyalists and frequent drivers.
  • Low Fee Structure: ₹499 joining/annual fee, waived on annual spends of ₹1.5 lakh. Offers great value for money for regular users.
  • RuPay Network: Supports UPI and domestic payments. Limited global acceptance may be a concern for international travelers.
  • Reward Point Value: 1 reward point = ₹0.25. Requires higher spending to extract substantial value. Plan redemptions wisely.
  • Competition with Other Fuel Cards: Beats ICICI HPCL Coral and BPCL SBI Octane in fuel savings. Consider brand loyalty and network coverage.
  • Fuel Price Trends: Rising prices increase absolute savings. Stable or falling prices reduce perceived value of fuel rewards.
  • Digital Payment Adoption: Strong UPI support via RuPay enhances appeal for mobile-first users. Cash users may underutilize features.
  • Spending Patterns: Maximize value with ₹12,000/month on fuel, ₹2,000 on groceries, and ₹1,000 on FASTag. Lower spends reduce value.
  • HP Pay App Integration: Extra 1.5% cashback through HP Pay app. However, 1% convenience fee and limited station support may impact use.
  • Redemption Habits: Reward points never expire. Best used for statement credit or vouchers. Avoid low-value redemptions.
  • HPCL Outlet Availability: Fuel rewards apply only at HPCL pumps. Limited HPCL access in your area could reduce usefulness.
  • Regulatory Changes: Taxation on rewards or changes in surcharge policies may affect savings. Stay updated with RBI and card issuer updates.
  • Economic Conditions: Inflation makes fuel/grocery savings more valuable. Economic slowdowns may limit spending and impact card utility.
  • Target Audience Alignment: Ideal for middle-income commuters loyal to HPCL. Non-drivers or high spenders may prefer broader reward cards.
  • Long-Term Value: Non-expiring rewards, low annual fees, and useful categories make this card a solid long-term option.
  • Complementary Card Usage: Pair with a general rewards card like HDFC Millennia for insurance, dining, and utility rewards to boost total benefit.

Frequently Asked Questions (FAQs)

1. What is the IDFC FIRST HPCL Power Plus Credit Card?
The IDFC FIRST HPCL Power Plus Credit Card is a co-branded fuel credit card offering benefits on fuel purchases at HPCL outlets, along with lifestyle, dining, and EMI benefits.
2. Who can apply for this credit card?
Indian residents aged 21 to 60 years with a stable income and good credit score are eligible to apply.
3. What are the key benefits of this credit card?
Key benefits include up to ₹150/month fuel surcharge waiver at HPCL pumps, 5% cashback on fuel spends via HP Pay app, and reward points on regular spending.
4. Is there any joining or annual fee?
As of the latest offering, the card comes with no joining or annual fee — it’s lifetime free.
5. What cashback is offered on fuel spends?
You get 5% cashback (capped at ₹250/month) when you pay for fuel using the HP Pay app linked with your credit card.
6. Is there a fuel surcharge waiver?
Yes, there is a 1% fuel surcharge waiver (up to ₹150 per month) on transactions made at HPCL fuel stations.
7. What is the reward rate on non-fuel spends?
Earn 3X to 10X reward points on retail spending, with higher rewards for online and weekend purchases.
8. Do reward points expire?
No, the reward points on this card never expire, giving you the flexibility to redeem them at your convenience.
9. Can I convert purchases into EMIs?
Yes, you can convert purchases above ₹2,500 into EMIs at attractive interest rates.
10. How can I manage the card account online?
You can manage your credit card via the IDFC FIRST Bank mobile app or net banking portal.
11. Is contactless payment supported?
Yes, the card supports contactless payments for faster and safer transactions.
12. What documents are required to apply?
Basic KYC documents like PAN card, Aadhaar card, and income proof (e.g., salary slips or ITR) are required.
13. How do I apply for the card?
You can apply online through the IDFC FIRST Bank website or visit a nearby branch for offline application.
14. What is the credit limit on this card?
The credit limit is determined based on your income, credit history, and other eligibility factors.
15. Is there a penalty for late payment?
Yes, late payment charges and interest will be levied if the due amount is not paid on time. The exact charges depend on the outstanding balance.

List of IDFC FIRST HPCL Power Plus Credit Card Branches in Tamil Nadu

  • Tamil Nadu - Adyar
  • Tamil Nadu - Avoor
  • Tamil Nadu - Chenathur Branch
  • Tamil Nadu - Coimbatore
  • Tamil Nadu - Coimbatore Branch
  • Tamil Nadu - Coimbatore Mettupalayam Br
  • Tamil Nadu - Coimbatore RS Puram
  • Tamil Nadu - Erode
  • Tamil Nadu - Hosur
  • Tamil Nadu - Kadiramangalam
  • Tamil Nadu - Kalinjur
  • Tamil Nadu - Kancheepuram
  • Tamil Nadu - Kanjikoil
  • Tamil Nadu - Karur
  • Tamil Nadu - Keelakurichi
  • Tamil Nadu - Koilpalayam
  • Tamil Nadu - Koyembedu Branch
  • Tamil Nadu - Madurai
  • Tamil Nadu - Madurai Byepass Road
  • Tamil Nadu - Mannargudi
  • Tamil Nadu - Mayiladuthurai