Key Features & Benefits
- ✦21X Reward Points per ₹150 on HPCL fuel transactions
- ✦5% effective savings on HPCL fuel
- ✦2.5% savings on grocery purchases, utility bills, IDFC FASTag recharge
- ✦2X Reward Points on all other retail and UPI transactions
- ✦1% fuel surcharge waiver at HPCL
- ✦Railway lounge access (spend-gated: ₹20K previous month)
- ✦Annual fee waiver on ₹50,000 spend
- ✦Reward Points never expire
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Welcome & Joining Benefits
- ✦₹250 cashback on first HPCL fuel transaction above ₹250
Milestone Benefits
- ✦₹50,000 annual spend → ₹199 annual fee waived
Pros & Cons
✓ Advantages
- ✓₹199 annual fee — extremely affordable
- ✓Annual fee waived at just ₹50K spend
- ✓5% on HPCL fuel for budget drivers
- ✓2X on UPI — earns rewards on QR code payments
✗ Disadvantages
- ✗Lower savings than Power Plus (5% vs 6.25%)
- ✗No airport lounge access
- ✗3.5% forex
Frequently Asked Questions
Power vs Power Plus — which HPCL IDFC card?
Power Plus (₹499) gives 30X (6.25%) on HPCL + grocery + utility and 1 lounge visit/quarter. Power (₹199) gives 21X (5%) on HPCL and 2X UPI. For fuel spenders above ₹3,000/month, Power Plus is worth the extra ₹300.
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