RuPay 📡 Contactless NFC

FIRST Power+ Credit Card

Joining Fee₹499

Annual Fee₹499

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Drivers and daily commuters fueling at HPCL petrol pumps looking for up to 6.5% fuel savings, 5% on grocery and utility bills, domestic lounge access, and RuPay UPI support.

Who Should Avoid

Users fueling at IOCL or BPCL stations or those unable to meet the ₹20,000 monthly spend threshold for lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

₹500 cashback on first HPCL fuel transaction of ₹250+ within 30 days + ₹150 discount on Swiggy food orders

Up to 6.5% Savings on HPCL Fuel & LPG

Up to 6.5% total savings on HPCL fuel and LPG purchases (up to 30X Rewards + 1.5% extra on HP Pay app + 1% fuel surcharge waiver).

5% Rewards on Groceries & Utilities

5% savings (30X Reward Points) on grocery shopping, supermarket spends, and utility bill payments (capped at ₹2,000 spend/mo each).

Domestic Airport Lounge Access

1 complimentary domestic airport lounge visit per calendar quarter (on min ₹20,000 spend in preceding month).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

2 Reward Points per ₹150 spent on other retail purchases (0.33% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

30X Reward Points (24 points per ₹150, 4.0% return) on HPCL fuel and LPG purchases (capped at ₹10,000 spend/month); 30X points (5.0% return) on Grocery and Utility bills (capped at ₹2,000 spend/month each); 1.5% extra rewards on HP Pay app; 3X points on other retail

Points Validity:Never Expire

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Instant HPCL Fuel Redemption via HP Pay App (1 RP = ₹0.25), IDFC FIRST Rewards Portal (Brand Vouchers & Products)

🚫 No Reward Points / Cashback on:

Non-HPCL Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits1 complimentary domestic airport lounge visit per calendar quarter (4 visits/year)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹20,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹150,000/yr

Annual renewal fee of ₹499 + GST is waived off on spending ₹1,50,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

3X Reward Points (3 points per ₹150) on merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 at HPCL petrol pumps (Capped at ₹200/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):0.75% to 3.75% per month (9.0% to 45.0% per annum dynamic APR)

Late Payment Penalties:Late payment charges slab-based up to ₹1,250

Official Bank Portal Application

Get the FIRST Power+ Credit Card

Annual Fee: ₹499/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, FIRST Power+ Credit Card has a joining fee of ₹499 and an annual renewal fee of ₹499 (plus applicable taxes).