Dr.AMAN
TF Buzz
Hi folks. I have been using the idfc power plus CC for last 2 months. It is one of the most complicated CCs in terms of its usage. But I have figured out the best way to milk maximum cashback out of this CC. Combined with the ongoing 3% happy coins valueback offer on HP pay(valid till 31st March), I could get a sweet 7.7% cashback on this card (cashback of around Rs.25 on a purchase of Rs.300 fuel). Here's how I received this cashback:-
1. Went to my nearest HP pay gas station. Asked that guy whether they accept HP pay wallet. He said yes.
2. Immediately loaded HP pay wallet with Rs.300 using my IDFC power+ CC using CC-Avenue portal. Paid the amount from wallet by scanning the HP pay QR pasted on the wall. (0.85% = Rs.2.5 surcharge for wallet load)--> This is better than swipping the card where the fuel surcharge is 1% and the swipe machine may not be registered to HP.
3. Got 60 reward points in idfc app after 2 days when the amount got settled (30X for every Rs.150)
4. Addl. 33 reward points received immediately in HP pay app in the form of Happycoins(Transferred those points to HP pay wallet)--> This is before scanning and paying to the petrol pump.
5. After scanning and paying I received 3% more happy coins(=9 happycoins) as part of the HP pay fuel fest that has been going on.
So for a fuel purchase of Rs.300 I received 60+33+9=102 reward points= Rs.25.5( 1 RP=0.25 rupees)
After deducting the Rs.2.5 surcharge net cashback=Rs.23(7.7%)
Even if u remove the 3% bonus points cashback after the march 31st offer ends, still the cashback will be around 7% which is very good.
I know that there will be a redemption fees of Rs.99+gst but considering that IDFC points never expire, I can accummulate these points and then redeem them after some time. This almost competes with bpcl octane card's cashback(SBI octane CC's fees is 3 times that of IDFC PP).
Moreover IDFC has modified its reward point notification system wherein we can check how much reward points we r receiving within 2 days once the amount is settled(like sbi CB card). This makes it easy to track the cashback.
EDIT ( 1st April 2025) : As demanded by some of the fellow members in this thread, regarding clarification about the new cashback after HP Fuelfest offer has ended( After march 31st), the cashback is now 5.65% if paid using wallet load and scanning through HP pay. This is the breakdown of the cashback:-
( 5% reward points in IDFC app + 1.5% cashback in the form of happycoins in HP pay wallet - 0.85% surcharge)= 5.65%.
Note: if paid directly using CC while scanning in HP pay app(without wallet loading) then the surcharge will be 1% bringing down the net cashback to 5.5%.
If paid using direct card swipping/dipping(worst case)--> 5% RP - 1% Surcharge= 4% cashback ( No surcharge waiver in the form of 1.5% happycoins if paid using card swipe--> Avoid)
- Although this new 5.65% is not as lucrative as the previous 7% during fuelfest offer but still u are getting 5.65% cashback without the need to even carry ur IDFC PP card physically( As long as ur nearest HP pump allows HP pay)
- There is no official communication from HP but I strongly feel that HPCL may reintroduce the Fuelfest offer again during festive seasons/financial year ending thereby increasing the return on this card to 7%. So hang tight!
1. Went to my nearest HP pay gas station. Asked that guy whether they accept HP pay wallet. He said yes.
2. Immediately loaded HP pay wallet with Rs.300 using my IDFC power+ CC using CC-Avenue portal. Paid the amount from wallet by scanning the HP pay QR pasted on the wall. (0.85% = Rs.2.5 surcharge for wallet load)--> This is better than swipping the card where the fuel surcharge is 1% and the swipe machine may not be registered to HP.
3. Got 60 reward points in idfc app after 2 days when the amount got settled (30X for every Rs.150)
4. Addl. 33 reward points received immediately in HP pay app in the form of Happycoins(Transferred those points to HP pay wallet)--> This is before scanning and paying to the petrol pump.
5. After scanning and paying I received 3% more happy coins(=9 happycoins) as part of the HP pay fuel fest that has been going on.

So for a fuel purchase of Rs.300 I received 60+33+9=102 reward points= Rs.25.5( 1 RP=0.25 rupees)
After deducting the Rs.2.5 surcharge net cashback=Rs.23(7.7%)
Even if u remove the 3% bonus points cashback after the march 31st offer ends, still the cashback will be around 7% which is very good.
I know that there will be a redemption fees of Rs.99+gst but considering that IDFC points never expire, I can accummulate these points and then redeem them after some time. This almost competes with bpcl octane card's cashback(SBI octane CC's fees is 3 times that of IDFC PP).
Moreover IDFC has modified its reward point notification system wherein we can check how much reward points we r receiving within 2 days once the amount is settled(like sbi CB card). This makes it easy to track the cashback.
EDIT ( 1st April 2025) : As demanded by some of the fellow members in this thread, regarding clarification about the new cashback after HP Fuelfest offer has ended( After march 31st), the cashback is now 5.65% if paid using wallet load and scanning through HP pay. This is the breakdown of the cashback:-
( 5% reward points in IDFC app + 1.5% cashback in the form of happycoins in HP pay wallet - 0.85% surcharge)= 5.65%.
Note: if paid directly using CC while scanning in HP pay app(without wallet loading) then the surcharge will be 1% bringing down the net cashback to 5.5%.
If paid using direct card swipping/dipping(worst case)--> 5% RP - 1% Surcharge= 4% cashback ( No surcharge waiver in the form of 1.5% happycoins if paid using card swipe--> Avoid)
- Although this new 5.65% is not as lucrative as the previous 7% during fuelfest offer but still u are getting 5.65% cashback without the need to even carry ur IDFC PP card physically( As long as ur nearest HP pump allows HP pay)
- There is no official communication from HP but I strongly feel that HPCL may reintroduce the Fuelfest offer again during festive seasons/financial year ending thereby increasing the return on this card to 7%. So hang tight!


Last edited: