IDFC HPCL First Power Credit Card

IDFC Bank introduces its inaugural co-branded credit card, the FIRST Power credit card in collaboration with HPCL. This RuPay card offers substantial savings of Rs. 7000 annually and nearly 65 liters of fuel. Benefit from fuel perks at 20,000+ HPCL outlets via the HP Pay App, complemented by various lifestyle privileges.

As a limited-time offer, enjoy a waived joining fee until April 30, 2023, and receive welcome benefits totaling up to Rs. 1400. Accumulate reward points on fuel, groceries, utilities, and more, with no expiration, offering a versatile range of redemption options.

Key Highlights of IDFC HPCL First Power Credit Card

Unlock unparalleled benefits with the IDFC HPCL First Power Credit Card.

  1. Save up to 5% on fuel (max Rs. 5000/month)
  2. Save up to 2.5% on utilities/groceries (max Rs. 4000/month)
  3. Save up to 2.5% on IDFC FASTag recharge (max Rs. 2000/month)
  4. 2x reward points on retail spends
  5. Rs. 250 cashback on 1st Rs. 250+ HPCL transaction
  6. Rs. 150 off Swiggy orders over Rs. 500
  7. 50% off Rental Cars with Europcar/Eco Rent-A-Car
  8. Complimentary Rs. 1399 roadside assistance
  9. Rs. 2 Lakhs personal accident insurance cover
  10. Refer friends, earn up to 10,000 Rewards

Features and Benefits of IDFC HPCL First Power Credit Card

The IDFC HPCL First Power Credit Card offers several features and benefits:

1. Reward Points Accrual:

  • Earn 5% savings on fuel expenses, max Rs. 5000/month.
  • Save 2.5% as rewards on LPG and HPCL fuel, 15 Rewards per Rs. 150 spent.
  • Get 1.5% Payback Rewards via HP Pay App, 6 Payback Rewards per Rs. 100 spent.
  • Enjoy 1% fuel surcharge waiver.
  • Save 2.5% as rewards on utility and grocery spends, max Rs. 4000/month, 15 Rewards per Rs. 150 spent.
  • Earn 2.5% rewards on IDFC FASTag recharge, max Rs. 2000/month.
  • Get 2x rewards on all other retail spends.

2. Travel Benefits:

  • Complimentary roadside assistance worth Rs. 1399, 4 times/year.
  • Rs. 500 off on ZoomCar rentals.
  • 50% discount on international and domestic car rentals with Europcar and Eco Rent-A-Car.

3. Rewards Points Redemption:

  • Instantly pay at select merchants with Reward Points.
  • Redeem points for membership and gift vouchers.
  • Use points on IDFC Bank’s Reward Redemption Catalog portal.

4. Dining Benefits:

  • Rs. 150 off on Swiggy orders above Rs. 500.

5. EMI Benefits:

  • Convert purchases to EMIs.
  • Get 5% cashback, max Rs. 1000 on 1st EMI transaction.

6. Insurance Benefits:

  • Personal accident cover worth Rs. 2 Lakhs.
  • Lost card liability cover worth Rs. 25,000.

7. Referral Benefits:

  • Earn up to 10,000 Rewards by referring friends.
  • Receive 2000 Rewards for every successful referral.

IDFC HPCL First Power Credit Card Fees and Charges

Explore the fee structure for the IDFC HPCL First Power Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: Rs. 199 + GST
  2. Renewal Fee: Rs. 199 + GST
  3. Spend Based Waiver: Renewal fee waived on spending Rs. 50,000 in card anniversary year
  4. Rewards Redemption Fee: Rs. 99 plus taxes
  5. Foreign Currency Markup: 3.5%
  6. Interest Rates: 0.75 – 3.5% per month
  7. Fuel Surcharge: 1% waiver capped at Rs. 100 per month
  8. Cash Advance Charges: Rs. 199 per withdrawal
  9. Add-on Card Fee: Nil

How to apply for IDFC HPCL First Power Credit Card

Follow these steps to apply for the IDFC HPCL First Power Credit Card online:

  1. Navigate to the official IDFC First Bank website.
  2. Access the “Cards” section and select “Co-branded Cards.”
  3. Locate the IDFC HPCL First Power Credit Card.
  4. Complete the required details on the application form.
  5. Submit your application to apply for the card seamlessly.

Frequently Asked Questions (FAQs)

Q1: What is the IDFC HPCL First Power Credit Card?
A1: The IDFC HPCL First Power Credit Card is a co-branded credit card offered by IDFC FIRST Bank in collaboration with Hindustan Petroleum Corporation Limited (HPCL). It comes with various benefits and features tailored for fuel-related expenses.

Q2: How can I apply for the IDFC HPCL First Power Credit Card?
A2: To apply for the card, you can visit the official website of IDFC FIRST Bank or contact their customer service. The application process typically involves submitting required documents and meeting eligibility criteria.

Q3: What are the eligibility criteria for this credit card?
A3: Eligibility criteria usually include being an Indian citizen, meeting a minimum age requirement, having a certain annual income, and maintaining a good credit score. Specific details can be obtained from the bank.

Q4: What benefits does the IDFC HPCL First Power Credit Card offer?
A4: The card may provide benefits such as fuel discounts, reward points on fuel transactions, cashback offers, and other perks. Refer to the card’s terms and conditions for detailed information on benefits.

Q5: Can I use the IDFC HPCL First Power Credit Card internationally?
A5: The card’s international usability depends on its features. Check with IDFC FIRST Bank to understand whether the card is globally accepted and if any charges apply for international transactions.

Q6: How do I check my credit card statement and manage my account online?
A6: IDFC FIRST Bank typically provides online banking services for credit card users. You can log in to your account on the bank’s website or mobile app to check statements, make payments, and manage your credit card account.

Q7: Are there any annual fees associated with the IDFC HPCL First Power Credit Card?
A7: Details about annual fees, joining fees, and other charges can be found in the terms and conditions provided by IDFC FIRST Bank. It is advisable to review these before applying for the card.

Q8: What should I do if my IDFC HPCL First Power Credit Card is lost or stolen?
A8: In case of loss or theft, contact IDFC FIRST Bank’s customer service immediately to report the incident and request card blocking. They will guide you through the process of getting a replacement card.

Q9: How do I redeem the reward points earned on the IDFC HPCL First Power Credit Card?
A9: IDFC FIRST Bank usually provides a redemption platform where you can log in and redeem your accumulated reward points for various offers, vouchers, or discounts. Check the bank’s website for specific redemption options.

Q10: What should I do if I have a dispute or need clarification on a transaction?
A10: If you have any disputes or need clarification on transactions, contact IDFC FIRST Bank’s customer service at the earliest. They will guide you through the dispute resolution process and provide necessary assistance.