What is the annual fee for the IDFC FIRST Bank HPCL Power?

The annual fee for the IDFC FIRST Bank HPCL Power is ₹199. It can be waived on annual spends of ₹50,000.

Does the IDFC FIRST Bank HPCL Power offer airport lounge access?

The IDFC FIRST Bank HPCL Power does not include complimentary airport lounge access.

What rewards does the IDFC FIRST Bank HPCL Power earn?

It earns 0.3% on eligible spends as Reward Points.

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HPCL Power — IDFC FIRST Bank Credit Card | Card Manager

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IDFC FIRST

entry

•••• •••• •••• 0000

HPCL Power

RuPay

HPCL Power

IDFC FIRST Bank • RuPay• Entry

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Annual Fee

₹199

Base Reward Rate

0.30%

Foreign Tx Fee

3.5%

Tier

Entry

Joining Fee

₹199

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹60

Dining₹5,000/mo

+₹15

Grocery₹8,000/mo

+₹24

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹15

Online Shopping₹8,000/mo

+₹24

Utilities₹3,000/mo

+₹75

Annual earnings

₹2,556

Blended 0.41% effective return

Monthly spend₹52,000

Monthly earnings+₹213

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

Welcome ₹250 cashback on first HPCL ₹250+ txn. No fuel surcharge waiver. Roadside assist 4x/yr.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹1 depending on redemption (cashback → flights/transfer).
value range
0.3% base reward rate on all eligible spends
0.30%medium
Fuel: 3.5% — 21 RP/₹150 on HPCL.
3.5% · cap 5,000/momedium

Utility: 2.5% — 15 RP/₹150 grocery+utility.

2.5% · cap 4,000/momedium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

No lounge access on this card.
None

Payments

Joining fee: ₹199. Annual: ₹199.
₹199
Annual fee waived on spending ₹50,000 per year.
Spend ₹50,000