How has the IDFC FIRST HPCL Power+ Credit Card changed over time?

The dated Value Timeline on this page records 9 changes to the IDFC FIRST HPCL Power+ Credit Card since 2023 — 5 devaluations, 2 improvements, and the rest neutral events such as launches or restructures. The latest entry is the addition of bonus reward points on travel booked through the IDFC FIRST app (18 January 2026). Each entry links to its source, letting you verify any figure against the issuer's own documents.

Has the IDFC FIRST HPCL Power+ Credit Card been devalued recently?

Yes, twice in the last 24 months according to our records. The most recent was the introduction of fair-usage fees on heavy FASTag and railway spending, effective 18 January 2026 — previously there was no such fee, and now a 1% charge applies above ₹10,000 in FASTag spend or ₹25,000 in railway spend per cycle. The full dated list, with sourcing for each change, sits in the Value Timeline on this page.

When did the IDFC FIRST HPCL Power+ Credit Card's fees last change?

On 18 January 2026, fair-usage fees were introduced for heavy FASTag and railway spending — moving from no fee at all to a 1% charge once FASTag spend passes ₹10,000 or railway spend passes ₹25,000 in a cycle. The fees table on this page shows the current schedule, and the Value Timeline holds every earlier fee change we've tracked.

How did the IDFC FIRST HPCL Power+ Credit Card change in 2026?

Our records show 3 changes in 2026 — 2 cuts and 1 improvement. The whole cycle's reward points now get forfeited if the minimum due is missed (18 January 2026); fair-usage fees kicked in on heavy FASTag and railway spending (18 January 2026); and bonus reward points were added for travel booked via the IDFC FIRST app (18 January 2026). The most consequential of these: prior to 18 January 2026 points accrued no matter how you paid, whereas afterward a cycle earns nothing if the minimum amount due goes unpaid by the due date. Every change is dated and sourced in the Value Timeline on this page.

IDFC FIRSTSELECT

IDFC FIRST HPCL Power+ Credit Card

4.3 / 5SarvCred Editorial Review

Check my eligibility

IDFC FIRST

IDFC FIRST HPCL Power+ Credit Card

Name: IDFC FIRST HPCL Power+ Credit Card
Brand: SarvCred
Rating: 4.3 (1 reviews)

Mid-tierFee variesRewardsFuelTravel

The IDFC FIRST HPCL Power+ is a focused HPCL fuel card. The card itself earns 30X reward points (~5%) on HPCL fuel, capped at 2,400 points (₹600) a statement cycle on up to ₹12,000 of fuel spend, and adds a RuPay/UPI dimension that makes it more useful day-to-day than most fuel co-brands — for a ₹499 fee that waives at ₹1.5 lakh of annual spend. HPCL's own HP Pay app pays a further ~1.5% in Happy Coins (up to 600 coins a month on ₹10,000 of app spend) — HPCL's separate loyalty currency, not the card's points. Alongside fuel it earns 30X on grocery, utilities and FASTag, with 1 domestic lounge visit a quarter (gated on ₹20,000/month spend) and a welcome benefit worth about ₹2,500. Booking through the IDFC FIRST app also earns accelerated travel points (26.67% on hotels, 13.33% on flights) — portal rates we deliberately keep out of our scoring baseline. If you fill up at HP regularly, you can stop comparing and apply.

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹2,500 in vouchers, points or cashback on card activation

⭐

5% on Fuel

30X (~5%) on HPCL fuel, capped at 2,400 RP (₹600) a cycle — about ₹12,000 of fuel spend; non-HPCL fuel earns nothing. HPCL's HP Pay app pays a separate ~1.5% in Happy Coins (600 coins/month on ₹10,000) — HPCL's currency, not modelled here

⭐

5% on Utility Bills

30X (~5%) on grocery, utilities and FASTag (FASTag ₹1,000/cycle); the ₹2,000/cycle cap is an unverified issuer cap — bounds the row pending the Product Usage Guide

✈

️ Airport Lounge Access

1 complimentary visits per quarter at domestic and international airport lounges

💳

Annual Fee Waiver

Fee of ₹499 + 18% GST (₹589 all-in)/yr fully waived when you spend ₹1,50,000/year

🤵

24x7 Concierge

Complimentary roadside assistance programme worth ₹1,399

🎬

Movie Ticket Benefit

25% off movie tickets up to ₹100/month, on any transaction in the previous calendar month (w.e.f. 18-Jun-2026)

📱

UPI Linked

Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments

Full reward structure

Category	Type	Rate	Monthly cap
Fuel	reward points	5%	₹600
Utility Bills	reward points	5%	₹2,000
Other	reward points	0.5%	—

Fees & charges

Charge	Amount
Annual fee (incl. 18% GST)	₹589
Joining fee (incl. 18% GST)	₹589
Forex markup	3.5%
Reward redemption fee	₹99

Perks & benefits

Estimated annual value beyond rewards — ~₹5,599/yr in total.

✈

️ lounge access ~ ₹3,000 /yr

1 complimentary domestic airport lounge visit a quarter on ₹20,000 of monthly spend

🎬

movie ticket ~ ₹1,200 /yr

25% off movie tickets up to ₹100/month, on any transaction in the previous calendar month (w.e.f. 18-Jun-2026)

🤵

concierge ~ ₹1,399 /yr

Complimentary roadside assistance programme worth ₹1,399

Should you get it?

Best for: HPCL regulars who want fuel savings plus lifestyle perks, IDFC customers wanting a low-fee fuel card with lounge access

Mid tier — a solid all-rounder for steady monthly spend.

Strongest value if you spend heavily on Fuel ( 5% back).

Frequent travellers benefit from the included airport lounge access.

✓ Pros

~5% value back on HPCL fuel — 30X points, worth up to 2,400 RP (₹600) a statement cycle
HPCL's HP Pay app adds a separate ~1.5% in Happy Coins on app payments
Accelerated 30X rewards on groceries, utilities and FASTag
Lounge, movie discount and roadside assistance on a low fee

✕ Cons

Lounge access needs ₹20,000 of monthly spend
Fuel rewards are capped at 2,400 RP (₹600) per statement cycle
Modest rewards away from fuel and partner categories — 3X (0.5%) base

Eligibility & documents

Age

21 + years

Min. income

₹25,000 /mo

Employment

Salaried · Self-employed

Documents required

PAN card
Aadhaar / address proof
Income proof (salary slips or ITR)

How to redeem rewards

Ways to convert what you earn into real value.

🎁 Redeem reward points against fuel and on the IDFC FIRST rewards catalogue (₹99 + GST redemption fee)

🎁 Statement credit on eligible spends

What your IDFC Reward Points are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Statement credit BEST Never-expiring points

₹ 0.25 /pt

Gift voucher catalogue BEST Brand & e-gift vouchers

₹ 0.25 /pt

The concern Fuel rewards cap at 2,400 points (₹600) a cycle — about ₹12,000 of fuel spend — and the extra ~1.5% requires routing through HPCL's HP Pay app. Over-cap and non-HPCL fuel spend earn far less than the headline.

The bottom line

On cost-to-value, Power+ leads the pack among HPCL fuel cards: roughly 5% back on fuel from the card alone, on top of what HPCL's separate HP Pay app offers, a RuPay/UPI bonus that extends its usefulness past the pump, an easily waived low fee, and roadside assistance built in. For regular HPCL customers, the decision is straightforward — just keep the per-cycle caps in mind.

Sources & verification

Fees, reward rates, and benefits for the IDFC FIRST HPCL Power+ Credit Card are taken from IDFC FIRST Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IDFC FIRST Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Value timeline

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2023 · 9 changes · last change Jan 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

2026 3 changes — 2 cuts, 1 improvement

▲ Reward Effective 18 Jan 2026

Bonus reward points on travel booked in the IDFC FIRST app

No app-booking bonus → 50X bonus on hotels, 30X bonus on flights

IDFC added accelerated earning on travel booked through the IDFC FIRST Bank mobile app — 50X bonus reward points on hotels and 30X on flights. A rare positive for a fuel card, though it only pays inside the bank's own booking channel.

Verification: IDFC FIRST Bank ↗ · Confidence: Reconstructed

▼ Fee Observed 18 Dec 2025 · Effective 18 Jan 2026

Fair-usage fees on heavy FASTag and railway spends

No FASTag or railway spend fee → 1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle

FASTag recharges (MCC 4784) above ₹10,000 in a billing cycle now attract a 1% fee on the whole cycle's FASTag amount, and railway spends (MCC 4111, 4112) above ₹25,000 do the same. FASTag is one of this card's three accelerated categories, so the heaviest users of a headline benefit are the ones charged for it.