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Credit Card
Daily driving made cheaper with the benefits of this HPCL fuel credit card
Key Takeaways
The FIRST Power and FIRST Power+ Credit Cards from IDFC FIRST Bank offer welcome benefits and everyday savings. This makes them among the best credit cards for fuel.
- With rewards on fuel, groceries, utilities, IDFC FIRST FASTag recharges, and UPI payments, you enjoy the full benefits of an HPCL fuel credit card every month.
- Designed for daily commuters, an HPCL power fuel credit card helps reduce fuel costs while adding value to regular spending through rewards and lifestyle perks.
Do you know what one of the most recurring and often expensive expenses is? It’s fuel.
With India’s average petrol price now above ₹100 per litre and consumption rising 8.77% year-on-year, topping up the tank every week can add up to thousands of Rupees in a month. These growing costs can feel like an unavoidable burden, eating into your budget and limiting other spending.
But there’s a smarter way to manage this recurring expense. Utilising the benefits of an HPCL fuel credit card can let you turn every litre you buy into an opportunity to save. This is where the FIRST Power and FIRST Power+ Credit Cards from IDFC FIRST Bank step in, helping you get gift vouchers on fuel and rewards on groceries, utility bills, and IDFC FIRST FASTag top-ups.
Let’s explore how these fuel credit cards can make your fuel spending smarter, easier, and more rewarding.
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Why use a fuel credit card?
Fuel is a recurring cost that can take a big bite out of your monthly budget. With petrol prices consistently high, even short daily commutes add up quickly. This is where the benefits of an HPCL fuel credit card come in. They offer not just convenience but a smart way to save money.
Every time you fill up at an HPCL pump with an HPCL fuel credit card like FIRST Power or FIRST Power+, you earn gift vouchers or reward points, turning a routine expense into actual savings. Over a few months, these rewards can cover a substantial part of your fuel spending.
Plus, the benefits of an HPCL fuel credit card go beyond petrol. You can earn rewards on groceries, utility bills, IDFC FIRST FASTag top-ups, and even UPI transactions. In other words, the card helps reduce one of your largest recurring expenses while also rewarding your everyday spending without changing how you live or commute.
Key benefits of an HPCL fuel credit card
Now that you’ve seen how you can reduce one of your most recurring expenses, let’s look at the specific benefits of an HPCL fuel credit card.
1. Gift vouchers from your favourite brands
One of the easiest ways to see the value of your card immediately is through gift vouchers on your first HPCL fuel transaction.
a. With the FIRST Power+ Credit Card, you get a ₹500 gift voucher when you spend ₹500 or above at any HPCL pump within the first 60 days of card set-up
b. On the other hand, the FIRST Power Credit Card enhances this benefit with a ₹250 gift voucher on your first HPCL fuel transaction of ₹250 or above within the first 60 days of card set-up
This means that right from the start, your petrol credit card is working to offset fuel costs and give you immediate returns.
2. Savings on everyday fuel expenses
Both cards offer ongoing savings on fuel purchases:
a. Up to 6.5% savings on fuel with the FIRST Power+ Credit Card, helping you reduce the impact of rising petrol prices over time
b. Up to 5% savings on fuel expenses at HPCL pumps on FIRST Power Credit Card
For a driver spending thousands per month on petrol, this can add up to hundreds of Rupees saved every month: one of the key benefits of an HPCL fuel credit card in action.
3. Rewards for everyday spending
The benefits of an HPCL fuel credit card don’t stop at fuel. Both cards reward you for your daily spending as well:
a. Groceries and utility bills
You can save 5% and 2.5% as rewards with the FIRST Power+ and FIRST Power Credit Cards, respectively, on your monthly groceries, utility payments, and IDFC FIRST FASTag recharges.
b. Retail transactions
The FIRST Power+ Credit Card offers 3X reward points, whereas the FIRST Power Credit Card offers 2X reward points, allowing your everyday spending to generate extra savings.
c. FASTag top-ups
Recharge your IDFC FIRST FASTag account and earn rewards. You get 5% for the FIRST Power+ Credit Card and 2.5% for the FIRST Power Credit Card.
4. Lifestyle and travel perks
The FIRST Power+ Credit Card goes a step further by offering lifestyle perks that make daily life easier and more rewarding:
a. Complimentary roadside assistance and insurance cover
b. Domestic airport lounge access every quarter on minimum monthly spends
c. Discounts on movie tickets and the flexibility to extend add-on cards to family members
In fact, even the FIRST Power Credit Card provides certain extra benefits of an HPCL fuel credit card, with the safety and convenience of roadside assistance and accident cover.
How your rewards can add up
Understanding the benefits of an HPCL fuel credit card is one thing, but seeing how they translate into actual savings makes its value crystal clear. Take Rahul, a daily commuter. Here’s what his expenses for the month look like, and how much the FIRST Power and FIRST Power+ Credit Cards can help him save:
| Expenses | FIRST Power+ Credit Card |
FIRST Power Credit Card |
| Fuel purchased at HPCL | ₹10,000 | ₹10,000 |
| FASTag top-up | ₹2,000 | ₹2,000 |
| Utility and grocery payments | ₹15,000 | ₹15,000 |
| Base rewards on other spends | ₹10,000 | ₹10,000 |
| Total earned reward points | 2800 | 1433 |
| Estimated monthly savings | ₹700 | ₹358.25 |
| Estimated annual savings | ₹8,400 | ₹4,299 |
As you can see, the savings go well beyond just fuel. With gift vouchers, reward points, and other perks, these cards turn everyday spending into real, tangible value, month after month. That’s what makes them some of the best credit cards for fuel in India.
Tips to maximise the benefits of the HPCL fuel credit card
Follow these simple steps to make sure you’re getting the most out of your FIRST Power+ and FIRST Power Credit Cards:
1. Use your card for every HPCL fuel transaction to earn rewards consistently
2. Pay your groceries, utility bills, and FASTag top-ups with the card to earn extra rewards
3. Use UPI payments and retail transactions to earn 3X rewards
4. Redeem reward points for flights, hotels, or bill payments for maximum value
5. Track milestone benefits like annual fee reversals to optimise savings
6. Extend add-on cards to family members to multiply rewards
7. Convert large purchases to instalments if needed, without losing out on rewards
How to apply for the FIRST Power and FIRST Power+ Credit Cards
Getting the benefits of the HPCL fuel credit card is simple. You can apply for these cards in just a few steps online or through the IDFC FIRST Bank mobile app.
1. On the official website, navigate to the credit cards section and choose between the FIRST Power or FIRST Power+ Credit Card, depending on your fuel and lifestyle needs
2. Click on the ‘Apply Now' button and enter your mobile number to verify
3. Provide your personal details
4. Review and accept the terms, and submit your application
Once approved, you can instantly start enjoying the everyday benefits of your HPCL fuel credit card.
Why choose fuel credit cards from IDFC FIRST Bank
For anyone looking to reduce their fuel costs, the HPCL power fuel credit cards from IDFC FIRST Bank are an excellent choice. These cards are designed for everyday drivers who want to maximise savings without complicating spending. Here’s why the FIRST Power and FIRST Power+ Credit Cards stand out:
1. Great rewards on HPCL fuel transactions
2. Rewards on groceries, utilities, IDFC FIRST FASTag, UPI, and other retail transactions
3. Lifestyle perks, including roadside assistance, insurance, and lounge access
4. Low and dynamic interest rates starting at 8.5% per year
5. Reward points that never expire, giving you flexibility in redemption
Apply for the FIRST Power and FIRST Power+ Credit Cards today and enjoy the benefits of an HPCL fuel credit card while making the most of your daily spends.
Frequently Asked Questions
Do the reward points on the FIRST Power and FIRST Power+ Credit Cards expire?
No, the reward points you earn on both cards never expire. You can redeem them anytime for fuel, travel, shopping, or bill payments.
Can I use the card for fuel at pumps other than HPCL?
Yes, you can use it at any pump. However, the HPCL fuel credit card benefits apply only at HPCL pumps. Transactions at other petrol stations will not earn any rewards on fuel transactions.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.
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