IDFC FIRST Bank · Scored card guide

IDFC FIRST Power+ HPCL

Issuer-grounded points and category caps; HPCL fuel only when selected. The generic fuel chip is deliberately not treated as HPCL.

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How this estimate works

Issuer guide: 3 reward points per ₹150 on eligible everyday retail and UPI, 30 per ₹150 grocery and eligible utility or IDFC FIRST FASTag, and 30 per ₹150 at authorized HPCL stations. 1 point = ₹0.25. Monthly caps: 2,400 points for HPCL fuel, 400 grocery and utility points, 200 FASTag points. Calculator scores groceries up to the shared 400-point cap, generic everyday retail at the base rate, and fuel only when HPCL is explicitly selected. Generic Fuel and Utilities chips do not verify the merchant/MCC and therefore yield no enhanced points. Cashback-equivalent is a once-a-year statement redemption less ₹99 + estimated 18% GST, if accrued value exceeds the fee; a minimum redemption balance was not established. First-year card joining fee ₹499, plus estimated GST, is modeled once; renewal ₹499 from year two is not double counted, and any waiver or other spend is excluded. No HP Pay Happy Coins, welcome rewards, FASTag bonus, travel-booking bonus or merchant offers are counted. Fuel above ₹30,000 per statement cycle has an additional 1% fee under the issuer guide; its fee treatment is insufficiently clear for this calculator, so fuel above that input is not scored. One eligible transaction each month; MCC, HPCL MID and UPI method govern actual eligibility. Source guide: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/FIRST-Power-plus-Product-Guide-26th-Sept.pdf ; product: https://www.idfcfirstbank.com/credit-card/hpcl-power-fuel-credit-card ; fee table: https://www.idfcfirstbank.com/credit-card/fees-and-charges .

Modeled first-year fee: ₹499 plus estimated 18% GST. Renewal is not added again in year one; qualifying spend may waive it later. Estimated statement redemption fee is deducted once when points have enough cash value.

Issuer source

https://www.idfcfirstbank.com/credit-card/hpcl-power-fuel-credit-card
https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/FIRST-Power-plus-Product-Guide-26th-Sept.pdf
https://www.idfcfirstbank.com/credit-card/fees-and-charges

Checked 27 Sep 2026. Confirm actual issuer merchant coding and current terms before applying.

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