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HPCL IDFC FIRST Power Credit Card
IDFC • Visa

HPCL IDFC FIRST Power Credit Card

Up to 5% value back on HPCL fuel, up to 2.5% on groceries and utilities, and base rewards on other eligible spends.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹199
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,129Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹199

No waiver condition listed.

Net value₹1,601

Estimated savings per year.

Category caps apply for certain spends.

Reward Rate Breakdown

Category-wise reward rates for this card

Fuel
5.0%
Lifestyle
2.5%
Shopping
2.5%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • HPCL FIRST Power is a fuel + utility category optimizer and depends on monthly cap discipline.
  • Headline percentages look strong, but real return is bounded by bucket caps and partner dependence.
  • Works best as a specialist card in a two-card or three-card setup, not as a standalone primary card.

Best Utilization

  • Route HPCL fuel and eligible utility/grocery spends here first, then divert post-cap transactions.
  • Track monthly cap utilization directly from statements to avoid low-return spillover.
  • Pair with a broad online cashback card for non-fuel, non-utility categories.

Watchouts

  • Do not assume uncapped 5% fuel value across the full billing cycle.
  • Non-HPCL fueling behavior can materially reduce expected return.
  • Milestone and bucket rules should be rechecked against latest issuer terms.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹199
  • Annual fee₹199
  • Waiver thresholdNot listed
  • Cap typecategory
  • Cap resetmonthly
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports10
  • Approval reports6

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

IDFC FIRST Select

Annual fee: Free

Shared focus: LifestyleHigher product tier within same bank+39 more lounge visits in current dataset
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HPCL IDFC FIRST Power Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Up to 5% value back on HPCL fuel spends
  • Up to 2.5% value back on grocery and utility categories
  • Low-fee co-branded fuel card with annual milestone bonus points
  • Welcome bonus points on early activation spend

Things to Consider

  • Fuel and utility value-back buckets are capped monthly
  • Best returns are partner-merchant specific and not broad across all pumps
  • Outside target categories, earn rate is modest

About HPCL IDFC FIRST Power Credit Card

HPCL IDFC FIRST Power Credit Card is a points card from IDFC, best for hpcl fuel + utility-focused monthly spenders. It is tagged under fuel, lifestyle, rewards categories in our database.

FuelLifestyleRewards

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Frequently asked questions

Is HPCL IDFC FIRST Power Credit Card lifetime free?

It has an annual fee of ₹199. No waiver condition is listed.

What rewards does HPCL IDFC FIRST Power Credit Card offer?

Up to 5% value back on HPCL fuel, up to 2.5% on groceries and utilities, and base rewards on other eligible spends.

Does HPCL IDFC FIRST Power Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider HPCL IDFC FIRST Power Credit Card?

HPCL Fuel + Utility-Focused Monthly Spenders

Where can I apply for HPCL IDFC FIRST Power Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.