IDFC HPCL First Power Plus Credit Card

IDFC HPCL FIRST Power Credit Card – Features and Benefits

Here are the main key feature and benefits provided by the IDFC First Bank –

Welcome Benefits

• You will get up to Rs. 500 cash back on your 1^st HPCL fuel transaction above Rs. 500
• Get up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI.

Rewards Rate

• Save up to 5% as rewards on grocery and utility expenses of up to worth Rs. 2,000 per month.
• Save up to 5% as a reward on IDFC FIRST FASTag recharge (max cap Rs. 1,000 per month).
• Get up to 3X rewards on all other retail transactions

Movie and Dining

• Up to 25% off on movie tickets up to Rs. 100 once per month on the Paytm Mobile App. Use promo code  “IDFCCCFM”.
• Get up to Rs. 150 discounts on all orders above Rs. 500 with Swiggy

Reward Redemption

• Here 3X rewards is equal to 3 reward point for every Rs. 150 spent i.e.; 1 RP = Rs. 0.75
• For HPCL Fuel and LPG – 24 rewards points on every Rs. 150 spent on grocery and utility
• For IDFC FIRST FASTag recharge you will get 30 rewards for every Rs. 150 spent.
• Rewards are not applicable on the HPCL fuel and LPG expenses beyond the maximum monthly capped amount.

Travel Benefits

• Complimentary roadside assistance worth Rs. 1,399 four times a year.
• Rs. 500 discount with ZoomCar rentals.
• Up to 50% discount on domestic and international rental cars with Eco Rent-A-Car and Europcar.

Domestic Lounge Access

• Complimentary domestic airport lounge access once every quarter on minimum monthly spends of Rs. 5,000.

Insurance Benefits

• Benefit of personal accident loan cover of Rs. 2,00,000.

Zero Liability Protection

• Card liability covered for Rs. 25,000 on lost cards.

IDFC HPCL First Power Plus Credit Card Fees & Charges

Joining Fee

The joining fee for IDFC HPCL First Power Plus Credit Card is Rs. 499 plus applicable taxes.

Renewal Fee

Annual fee of Rs. 499 which can be waived upon reaching the milestone.

Spend-Based Waiver

This annual fee can be waived on crossing Rs. 1,50,000 spends in the previous year.

Reward Redemption Fee

Rs. 99 on every redemption request will be charged.

Foreign Currency Markup

3.5% of the amount on all international transaction

Interest Rates

This is a low-interest rate card starting from 0.75% to 3.5% per month which makes it 9% to 42% annually.

Fuel Surcharge

1% fuel surcharge waiver on fuel transactions between Rs. 200 and Rs. 5,000 (capped at max. Rs. 200 per statement cycle).

Cash Advance Charge

Rs. 199 will be charged as a cash advance fee.

Eligibility Criteria for IDFC HPCL First Power Plus Credit Card

You must fulfil the following criteria to be eligible for the IDFC HPCL Power + Credit Card-

• Must be an Indian citizen,
• Minimum age of 21,
• Decent credit/CBIL Score
• Annual income of Rs. 3 lakh or more.

How to Apply for the IDFC Bank HPCL First Power Plus Credit Card?

Here are a few steps which can help you apply for the IDFC Bank HPCL First Power + Credit Card:

• Click on the “Apply Now” button,
• Fill in your details, and you will have successfully applied for a new credit card.

IDFC Bank HPCL First Power Plus Credit Card Review

IDFC Bank HPCL First Power Plus Credit Card is one of the first credit cards by IDFC First Bank which came into existence in collaboration with HPCL. This credit card is introduced in the market by mainly focusing on the market-consuming fuel at a more than average rate.

This card is very well suited with fuel, but it has benefits proving that it can also help save money through everyday shopping. For frequent travellers and people who refill their tanks pretty often, this credit card is a perfect approach to saving money. This card not only saves fuel but has a lot of other benefits on Swiggy, movies, and even on rented cars.

This credit card gives a luxurious lifestyle benefit of complimentary lounge access at no cost as well.