IDFC First Power Credit Card
Issuer Regulated by RBI
IDFC FIRST Bank logo
IDFC FIRST Bank

IDFC First Power Credit Card

Earn rewards and benefits with IDFC First Power Credit Card.

RuPay
Co-branded
67
Overall CardCheck ScoreGood

Fuel & Petrol Fit Score

90/100

Best for: fuel savings

Joining Fee

₹199

Annual Fee

₹199

Reward Rate (%)

1 – 3.5

Statement credit

Forex Markup

3.5%

Community
(0)
Your Rating

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Reward Power

27/35

Fee Value & ROI

24/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Fuel & Petrol
90/100
RuPay UPI Payments
88/100
Cashback Spends
85/100
Zero Fee & Starter
85/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

IDFC First Power Credit Card Benefits

Welcome benefit: ₹250 cashback on the first HPCL fuel transaction of ₹250+ within 30 days
Earn 21X Reward Points on HPCL fuel spends (up to 5% value back)
Earn 15X Reward Points on grocery, utility bill payments, and IDFC FIRST FASTag recharges (up to 2.5% value back)
Earn 2X Reward Points on all other eligible retail and UPI spends
Earn 6 HP Pay Reward Points per ₹100 spent via the HP Pay app (up to 600 points per month)
1% fuel surcharge waiver on HPCL fuel transactions between ₹200 and ₹5,000
Reward Points never expire and can be redeemed at up to ₹0.25 per point

IDFC First Power Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

1% – 3.5%

Earn rate

₹175

Monthly cap

₹175

Monthly cap

IDFC First Power Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining fee₹199
Annual fee₹199
Fee waiver on annual spend₹50,000
Interest-free period45 days
Interest rate (APR)8.5% – 46.2%
Late payment fee (max)₹1,300
Over-limit fee2.5%
Forex markup3.5%
Fuel surcharge waiverYes (₹200–₹5000)

Card Features

Metal Card
Contactless
UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹50,000/yr
₹4,167/mo
Presets:
Annual Fee 100% Waived₹50,004 / ₹50,000

🎉 Annual renewal fee 100% waived! At ₹4,167/mo (₹50,004/yr), your ₹199 fee drops to ₹0.

Est. Base Rewards+₹500@1% base rate
Effective Fee₹0 (Waived)100% saved
Net Annual Value+₹500rewards vs fee
*Estimated using standard base rate (1%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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IDFC First Power Credit Card Eligibility

Age21+ yrs – 65
Min. income₹25,000/month
CIBIL score
750+

Employment type

Self employedSalaried

Pros & Cons

Pros
  • Very low annual fee
  • Excellent value for regular HPCL fuel users
  • Good rewards on grocery and utility spends
  • Rewards on FASTag recharges
  • Reward Points never expire
  • Additional benefits through HP Pay
  • Low fee waiver threshold of ₹50,000
  • Good entry-level fuel credit card
Cons
  • No complimentary airport lounge access
  • Fuel rewards are limited to HPCL outlets
  • Forex markup of 3.5% is high
  • Base reward rate on general spending is modest
  • Reward redemption value capped at ₹0.25 per point
  • No travel or premium lifestyle benefits
  • Fuel and accelerated reward benefits are subject to monthly caps
  • Less rewarding than the Power+ variant for higher fuel spenders

Quick Links

Data last updated 4 Sept 2026

All IDFC FIRST Bank credit cards →Best Cashback CardsBest Fuel Cards
Free Rewards Math Simulator

Calculate your exact earnings with IDFC First Power Credit Card

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