IDFC HPCL Power+ Credit Card 2025
Save more than ₹18,500 every year on fuel, groceries & daily UPI spends – like 175L free fuel!
If you refuel at HPCL often or spend on groceries/utilities, the IDFC HPCL Power+ Credit Card is the best co-branded fuel card in 2025.
Get 6.5% savings on HPCL fuel (up to ₹10K/month), 5% on groceries/utilities/FASTag (up to ₹2K/month), 3X points everywhere including UPI, ₹500 welcome voucher, quarterly lounge access, and often Lifetime Free – ₹499 fee waived on ₹1.5L spend.
Real cashback in statement – simple & high value.
Why This Is The Best Fuel + Daily Card in 2025?
6.5% HPCL fuel • 5% groceries/utilities • 3X UPI/retail • ₹500 voucher • Lounge quarterly • Often LTF
Best for: HPCL users, commuters, families, UPI shoppers
Card At a Glance
₹499 (Waived on ₹1.5L)
₹499 (Often LTF)
6.5% HPCL (up to ₹10K)
5% (up to ₹2K/month)
3X Points (₹0.25 value)
1/quarter (on ₹5K spend)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 (waived on ₹1.5L spend) |
| Annual Fee | ₹499 (waived on ₹1.5L) |
| Welcome Benefit | ₹500 HPCL voucher |
| Point Value | ₹0.25 cashback |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
Detailed Savings Rates (2025)
- 6.5% on HPCL fuel (5% points + 1.5% Happy Coins, up to ₹10K)
- 5% on groceries/utilities/FASTag (30 points/₹150, up to ₹2K)
- 3X points on all other retail/UPI (₹0.25 value)
- No rewards on EMI, wallet, insurance
- 1% fuel waiver up to ₹300/month
Airport Lounge Access
1 complimentary domestic visit per quarter (on ₹5K previous spend)
Valid on Visa lounges in India
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 6.5% HPCL fuel savings | Rewards capped on fuel/groceries |
| 5% on daily essentials | 3.5% forex |
| Often Lifetime Free | 1 lounge/quarter only |
| 3X UPI everywhere | HPCL-specific fuel |
| ₹500 welcome voucher |
Eligibility Criteria & Documents
- Age: 18–70 years
- Min income: ₹3 Lakh/year
- Good credit score (700+)
- Documents: PAN, Aadhaar, salary slip
How to Apply (2-Minute Process)
- Click “Apply Now”
- Enter mobile & PAN
- Upload docs
- Video KYC
- Card in 5–7 days
Final Verdict – Should You Get It in 2025?
If you spend ₹5K+ on HPCL fuel & groceries monthly, this card saves ₹15,000–₹20,000 yearly + lounge perks. Best LTF fuel card for HPCL loyalists!
Frequently Asked Questions (FAQs)
Fuel savings how?
5% points + 1.5% Happy Coins via HP Pay.
LTF condition?
₹1.5L annual spend waives fee.
UPI rewards?
Yes, 3X on all UPI spends.