Notifications

  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

IDFC FIRST Bank HPCL Credit Card

Power of UPI now on your Credit Card

hpcl power
  • Joining Fee: ₹199 | Annual Fee (2nd year onwards): ₹199
  • Welcome benefits worth ₹2250
  • Annual Fee waived off on spends of ₹50,000 or more in a year


 

FIRST Power Credit Card

Your preferred ride for a life in the fast lane.

  • Save up to ₹7,000 annually with this credit card, enough to buy you 65+ litres of fuel
  • Welcome benefits worth ₹2250
  • Get rewarded for every UPI transaction
  • Low & Dynamic Interest rates starting at 9% per annum
  • 0% Interest on ATM Cash Withdrawals until due date
Apply Now

T&Cs applicable, read on for more details

Ride Towards Rewards with Precision!

Enjoy Rewards: Ride, Earn, Redeem

BENEFITS & PRIVILEGES

Power-packed savings on mobility, utility and other everyday expenses!

  • Up to 5% savings on your fuel expenses
  • 2.5% savings as Rewards on Grocery & Utility expenses
  • 2.5% savings as Rewards on IDFC FIRST FASTag recharge
  • 2X Rewards on other retail transactions

couple-bikers

BENEFITS & PRIVILEGES

Exciting welcome benefits & merchant offers to get you started!

  • ₹250 cashback on 1st HPCL fuel transaction of ₹250 or above*
  • 5% cashback (up to ₹1,000) on the transaction value of 1st EMI conversion*
  • ₹1000 discount on Zoomcar rentals
  • Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar

* Within 30 days of card set-up

BENEFITS & PRIVILEGES

Powerful lifestyle privileges for a life in the fast lane!

  • Complimentary Roadside Assistance worth ₹1,399
  • Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000
  • EMIfy your purchases and balances and enjoy convenience of payment
  • Extend Add-on card to your pillion rider & boost your savings without any extra charges
  • Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
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Start using UPI on your favourite UPI Apps
POWER OF UPI NOW ON YOUR CREDIT CARD
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IDFC FIRST Bank Mobile App

Exclusive offers from your favourite brands

Avail awesome deals & discounts across the wide range of popular brands we’ve partnered with

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eligibility

  • Joining Fee / Annual Fee

    Joining fee ₹199

    Annual fee ₹199, waived off on crossing ₹50,000 spends in the previous anniversary year

  • Low-Interest Rates

    Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)

  • OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550

  • Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)

  • Interest-free ATM Cash Withdrawals

    For up to 48 days (cash withdrawal fee of only ₹199 per withdrawal)

    View all Fees & Charges

Important Documents

Card Member Agreement

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Most Important Terms & Conditions 

Arrow

Product Usage Guide

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Credit Card Basics

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Power of UPI now on your Credit Card

hpcl power plus
  • Joining Fee: ₹499 | Annual Fee (2nd year onwards): ₹499
  • Welcome benefits worth ₹2500
  • Annual Fee waived off on spends of ₹150,000 or more in a year


 

FIRST Power+ Credit Card

Your preferred drive for a life in the fast lane.

  • Save up to ₹18,500 annually with this credit card, enough to buy you 175+ litres of fuel
  • Welcome benefits worth ₹2500
  • Lifestyle Privileges
  • Get rewarded for every UPI transaction
  • Low & Dynamic Interest rates starting at 9% per annum
  • 0% Interest on ATM Cash Withdrawals until due date
Apply Now

T&Cs applicable, read on for more details

Drive Towards Rewards with Precision!

Enjoy Rewards: Drive, Earn, Redeem

BENEFITS & PRIVILEGES

Power-packed savings on mobility, utility and other everyday expenses!

  • Up to 6.5% savings on your fuel expenses
  • 5% savings as Rewards on Grocery & Utility expenses
  • 5% savings as Rewards on IDFC FIRST FASTag recharge
  • 3X Rewards on other retail transactions

BENEFITS & PRIVILEGES

Exciting welcome benefits & merchant offers to get you started!

  • ₹500 cashback on 1st HPCL fuel transaction of ₹500 or above*
  • 5% cashback (up to ₹1,000) on the transaction value of 1st EMI conversion*
  • ₹1000 discount on Zoomcar rentals
  • Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar

* Within 30 days of card set-up

BENEFITS & PRIVILEGES

Powerful lifestyle privileges for a life in the fast lane!

  • Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of ₹20,000
  • Complimentary Roadside Assistance worth ₹1,399
  • 25% off on movie tickets up to ₹100, once every month
  • Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000
  • EMIfy your purchases and balances and enjoy convenience of payments
  • Extend Add-on card to your co-passenger & boost your savings without any extra charges
  • Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
Desktop Image Mobile Banner
Star Image
New
Bhim Image Gpay Image Paytm Image phone pay image Mobiwik Image Bhim Image Gpay Image Paytm Image Phone pay image Mobiwik Image
Start using UPI on your favourite UPI Apps
POWER OF UPI NOW ON YOUR CREDIT CARD
Start Image
New

IDFC FIRST Bank Mobile App

Exclusive offers from your favourite brands

Avail awesome deals & discounts across the wide range of popular brands we’ve partnered with

socImg2.png socImg2.png
eligibility

  • Joining Fee / Annual Fee

    Joining fee ₹499

    Annual fee ₹499, waived off on crossing ₹150,000 spends in the previous anniversary year

  • Low-Interest Rates

    Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)

  • OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550

  • Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)

  • Interest-free ATM Cash Withdrawals

    For up to 48 days (cash withdrawal fee of only ₹199 per transaction)

    View all Fees & Charges

Important Documents

Card Member Agreement

Arrow

Most Important Terms & Conditions 

Arrow

Product Usage Guide

Arrow

Credit Card Basics

Arrow

FAQ

Is UPI on Credit Card facility available on FIRST Power/ FIRST Power+ credit card?

Yes, UPI on Credit Card facility is available on FIRST Power and FIRST Power+ Credit Cards. You can now scan any UPI enabled QR code and pay using FIRST Power/ FIRST Power+ Credit Card.

You just have to ensure that you have linked your IDFC FIRST Bank FIRST Power / FIRST Power+ Credit Card to the UPI app being used by you. UPI apps BHIM, PhonPe, PayTm, Gpay, Freecharge, Slice, Cred & Mobikwik are currently available for this facility.

How to use the FIRST Power and FIRST Power+ Credit Card?

You can use the FIRST Power and FIRST Power+ like any other credit card. These cards get you extra savings on HPCL fuel payments, grocery & utility and other everyday expenses.

Who can apply for a FIRST Power / FIRST Power+ Credit Card?

You can apply for FIRST Power / FIRST Power+ Credit Card, if you meet the eligibility criteria below*:

•  You must be at least 21 years old

You must be an Indian citizen

You must have a healthy credit score

Your credit usage ratio must be within an acceptable level

You must have an Annual Income of ₹3 lacs or more

*Issuance of Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.

I already hold an IDFC FIRST Bank Credit Card, will I be able to apply for FIRST Power / FIRST Power+ Credit Card?

You will be eligible to apply only for FIRST Power+ credit card if you already hold any of IDFC FIRST Bank Credit Cards.

However the credit limit is shared with all of your existing IDFC FIRST Bank Credit Cards if any.

A separate statement will be generated for your new credit card as per the applicable statement date. Please ensure to make the payment as per the statement.

How do I get the FIRST Power and FIRST Power+ Credit Card?

You can apply for the HPCL Fuel Credit Card on IDFC FIRST Bank website and Mobile Banking App or on HPCL website, online. You can also visit your nearby IDFC FIRST Bank branch and apply.

How many types of fuel credit cards can I apply for?

The HPCL Fuel Credit Card has two variants – FIRST Power and FIRST Power+. You can opt for any one of these variants, depending on your needs.

How do I calculate Fuel Points earned by my spending?

With the FIRST Power Credit Card, for every ₹150 spent, you earn 21X Reward Points on HPCL Fuel, Grocery & Utility and IDFC FASTag recharge and 2X Reward Points on other retail transactions, subject to terms & conditions. With the FIRST Power+ Credit Card, for every ₹150 spent, you earn 30X Reward Points on HPCL Fuel, 30X Reward Points on Grocery & Utility and IDFC FASTag recharge and 3X Reward Points on other retail transactions, subject to terms & conditions. Additionally, on both these variants, you also earn 6 Payback Reward Points for every ₹100 fuelling through HP Pay App.

How do I save on fueling through HP Pay App? 

You need to register on HP Pay (App or Portal) first. You can upload the wallet on HP Pay using FIRST Power / FIRST Power+ credit card. You earn 3 Payback Rewards on loading the wallet and 3 Payback Rewards at the time of payment at the HP outlet. The Payback Rewards are capped at 300 points per month which is equivalent to fueling of INR 5,000 every month. You can check your Payback balance in HP Pay Mobile App itself.These rewards are not applicable if you directly make the fuel payment using HP Pay App without loading the wallet. 

 

Is fuel cheaper with a Fuel Card?

Fuel is not cheaper with a Fuel Card. However, the spends done on fuel with a Fuel Card brings savings through accelerated Reward Points. With the FIRST Power and FIRST Power+ Credit Cards, you can earn 21X and 30X Reward Points on fuel spends done at HPCL outlets.

What is the Income eligibility criteria to apply for an FIRST Power Credit Card?

Eligibility* : Annual income of ₹ 3 Lacs or more

*Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.

Is there any Joining Offer applicable for FIRST Power and FIRST Power+ Credit Cards?

Yes, ₹500 cashback on 1st HPCL fuel transaction of ₹500 or above done within 30 days of card generation is applicable for FIRST Power+ & ₹250 cashback on 1st HPCL fuel transaction of ₹250 or above done within 30 days of card generation is applicable for FIRST Power. Joining offer will only be applicable for cardholders who have paid the joining fee in full.

Which UPI applications have been enabled for linking the FIRST Power or Power+ Credit Card on UPI?

Currently, you can link your FIRST Power & Power+ Credit Card on select UPI applications such as – BHIM, PhonePe, PayTm, Gpay, Freecharge, Slice, Cred & Mobikwik.

How do I generate a UPI PIN for the FIRST Power or Power+ Credit Card?

Please select the IDFC FIRST Bank Credit Card from the linked credit card accounts, select set UPI Pin option from the dropdown. Enter last 6 digits of your FIRST Power/ Power+ Credit Card number, enter the expiry date, follow steps to complete the journey.

How do I make UPI payment using FIRST Power or Power+ Credit Card?

Once you have linked your FIRST Power or Power+ Credit Card on your preferred UPI app, click on ‘Scan’ to scan QR code, enter the amount, select FIRST Power/Power+ Credit Card from dropdown menu and authenticate your payment using UPI PIN. One the payment is completed, payment confirmation will be displayed

Can I change my UPI PIN?

Yes, you can change the UPI pin of your FIRST Power or Power+ Credit Card account by selecting ‘Change UPI PIN’ option present on your UPI applications.

What if I change my mobile number, how can I link FIRST Power or Power+ Credit Card on UPI apps?

Update your new mobile number on your FIRST Power or Power+ Credit Card account. Once updated, re-register the credit card on your preferred UPI apps.

Can I make payments to any person or other credit card using the linked FIRST Power or Power+ Credit Card on UPI?

No, only payments to merchant (P2M) will be allowed from the linked FIRST Power or Power+ Credit Card.

What are the merchant categories on which payment using Credit Card on UPI is restricted?

Categories – P2P (peer-to-peer), P2PM (peer-to-peer-merchant) digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, e-RUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by National Payment Corporation Of India (NPCI).

Can I make the payment of my Credit Card bill using UPI?

Yes, Credit Card bill payment can be done through the linked savings account from the UPI App. For recurring bill payments, you can register for UPI AutoPay

Can I link my existing Visa/ Mastercard Credit Card on UPI?

Currently, only IDFC FIRST Bank Credit Cards powered by RuPay can be linked on UPI.

Is there any limit on the transaction amount made from my linked FIRST Power or Power+ Credit Card on UPI?

The amount limit per card can be up to ₹1 lakh per day and ₹2 lakh for some special MCC codes, however it will be subject to the available credit limit on your card. Please note that the amount limit per day per card is ₹5,000 for the first 24 hours of linking the card on your preferred UPI app.

Will I be charged for linking or carrying out any transaction from my linked FIRST Power or Power+ Credit Card on UPI?

No, you will not be charged on linking or carrying out any transaction from the linked Credit Card on UPI.

Can I make my linked FIRST Power or Power+ Credit Card as default account to receive funds?

Credit Cards cannot be made a default option to receive funds

More FAQs