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IDFC First HPCL Power Credit Card

IDFC FIRST Bank has partnered with Hindustan Petroleum Corporation Limited (HPCL) to launch the FIRST Power credit card. The card collaborates with RuPay and enables users to save almost 65 litres of fuel annually. It has a joining fee of Rs.199.

Cardholders can get fuel discounts at HPCL fuel pumps all over India by using the HP Pay App. You can avail reward points on groceries, fuel, utilities, and other retail purchases that can be redeemed for a variety of items. Continue reading to know about the features, benefits, and other details of the FIRST Power credit card. 

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Features and Benefits of FIRST Power Credit Card 

The features and benefits offered by the FIRST Power credit card are as follows: 

  1. The annual fee of Rs.199 will be waived if you spend more than Rs.50,000 in the previous anniversary year. 
  2. Save up to 5% on your fuel transactions every month.  
  1. Save 2.5% on LPG and HPCL fuel transactions  
  1. Avail a fuel surcharge waiver of 1% 
  2. Save 1.5% in the form of payback rewards via the HP Pay App 
  1. Save 2.5% as rewards on monthly grocery and utility costs up to Rs.4,000.  
  2. On IDFC FIRST FASTag recharges of up to Rs.2,000 per month, save 2.5% as rewards. 
  3. Earn 2x rewards on all other retail purchases.  
  1. Earn cashback of Rs.250 on your first HPCL fuel transaction worth Rs.250 and more.  
  2. Enjoy Rs.150 off on orders of Rs.500 and above at Swiggy. 
  3. With Eco Rent A Car and Europcar, enjoy savings of up to 50% on domestic and international rental cards. 
  4. Earn cashback of 5% up to Rs.1,000 on the first EMI conversion transaction. 
  5. Enjoy a discount of Rs.500 on ZoomCar rentals.  
  1. Get Roadside Assistance worth Rs.1,399 for free. 
  2. Convert your purchases into equated monthly instalments (EMIs) and pay them conveniently. 
  3. Get up to 10,000 rewards by referring friends (2,000 rewards per successful referral). 
  4. Enjoy lost card liability cover worth Rs.25,000 and personal accident cover worth Rs.2 lakh. 
  5. Give your pillion rider an add-on card and increase your savings at no additional fees. 
  1. The reward points do not expire and can be redeemed at any point in time. 
  2. Enjoy a low interest rate of 9.00% p.a. 
  3. Enjoy 0% interest on withdrawing cash at ATMs. 
Apply for IDFC First HPCL Power Credit Card

Eligibility Criteria for FIRST Power Credit Card

To apply for the FIRST Power credit card, you need to fulfil the following eligibility criteria: 

  1. You should be aged 21 years and above. 
  2. You should have a good credit score. 
  3. You must be a citizen of India. 
  4. You cannot possess IDFC FIRST Bank credit cards. 
  5. Your annual income should be Rs.3 lakh and above.  
  1. Your credit utilisation ratio needs to be within acceptable limits. 
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Fees and Charges for FIRST Power Credit Card  

The fees and charges associated with the FIRST Power credit card are listed in the table below:

Type of Charge 

Fee 

Joining fee 

Rs.199

Annual fee 

Rs.199 

Interest rate 

9% to 42% p.a. 

Add-on fee 

NIL 

Cash advance transaction fee 

Rs.199 per transaction 

Over limit fee 

2.5% of the overlimit amount (Rs.500) 

Reward redemption fee 

NIL 

Outstation cheque processing fee 

NIL 

Late payment charges 

15% of the total amount due (minimum: Rs.100, maximum: Rs.1,250) 

Return of cheque 

Rs.250 per returned cheque 

Duplicate statement request 

NIL 

Cheque/Cash processing fee 

NIL 

Mark up fee 

3.5% 

EMI fee 

1% of the transaction amount (minimum: Rs.99) 

Card replacement fee 

Rs.100 

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FAQs on IDFC First HPCL Power Credit Card

  • Can I apply for the FIRST Power credit card online?

    Yes, you can apply for the FIRST Power credit card online.

  • Will I be able to apply for the FIRST Power credit card if I already possess an IDFC FIRST Bank credit card?

    No, current IDFC FIRST Bank cardholders cannot apply for the FIRST Power credit card.

  • How many different types of fuel credit cards can I get?

    Depending on your requirements, you can select either the FIRST Power or FIRST Power+ credit card.

  • How to apply for the FIRST Power credit card?

     You can apply for the FIRST Power credit card by visiting the official website of IDFC FIRST Bank, the mobile banking app, or the HPCL website. Alternatively, you can visit the nearest IDFC FIRST Bank branch to apply. 

  • Does the FIRST Power credit card provide an annual fee waiver?

      Yes, the annual fee will be waived if you spend more than Rs.50,000 in the previous anniversary year. 

  • Is the FIRST Power credit card free for a lifetime?

    No, the FIRST Power credit card has a joining fee of Rs.199 plus taxes.

  • Will the reward points on the FIRST Power credit card expire?

    No, the reward points on the FIRST Power credit card do not expire. The rewards can be used to make online and offline transactions at select merchants, or they can be redeemed against vouchers or products in the Reward Redemption catalogue.

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