SimplifyCards take:A good fit if you want a card built for fuel, hpcl, and UPI
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Best for HPCL Fuel SpendsBest for
30 Reward Points per INR 150 spent
!
Avoid if you expect uncapped rewardsWatch out
Top reward categories are capped each month, so very high spends don't scale linearly
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Good fit if you want a card built for fuel, hpcl, and UPIBottom line
It combines complimentary airport lounge access, a low 0% forex markup, and accelerated rewards on hpcl fuel spends
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| HPCL Fuel Spends | 30 Reward Points per INR 150 spent | 2,400 Reward Points |
| Grocery And Utility Bills Spends | 30 Reward Points per INR 150 spent | 400 Reward Points |
| Other Retail And UPI Spends | 3 Reward Points per INR 150 spent | - |
Redemption
Statement balanceupto ₹ 0.25 per point
Important conditions
1
Domestic lounge4 visits per year
- 1 complimentary domestic airport lounge visit per quarter, subject to a minimum spend of ₹20,000 in the previous calendar month
2
Fee waiverRenewal fee waived on annual spends of ₹ 1.5 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 5.0% return value in Reward Points on HPCL fuel spends plus 1.5% as Happy Coins on HP Pay app
- 5.0% return value on grocery and utility spends
- 1% fuel surcharge waiver up to ₹200 per statement cycle at HPCL stations
- Reward points are valid for 24 months
Latest Updates
Recent changes to this card
All IDFC FIRST credit cards now offer 0% forex markup19 Sept 2026
- All IDFC FIRST credit cards, including Power+ Credit Card, offer 0% forex markup for existing and new cardholders
- On ₹1,00,000 of foreign-currency purchases, save about ₹4,130 versus a typical 3.5% forex card (₹3,500 markup + ₹630 GST at 18%)
- Always pay in local currency abroad to avoid Dynamic Currency Conversion (DCC)
- Card fees and rewards vary by card; the lifetime-free fees and reward examples in this update refer specifically to FIRST Wealth, FIRST Select and FIRST WOW!
Eligibility
Check this before you apply
Salaried
- Age: 21 to 60 years
- Minimum net monthly salary of ₹25,000
Self-employed
- Age: 21 to 60 years
- Minimum annual ITR of ₹3,00,000
Exclusions
Spending that does not earn reward points
- Fuel transactions at non-HPCL stations
- EMI transactions
- Cash withdrawal / cash advance transactions
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