IDFC FIRST Bank
IDFC First Power Credit Card
Your rating
Community rating
Best for fuel savings
Joining Fee
₹199
Annual Fee
₹199
Reward Rate
0.7% – 6.5%
Forex Markup
3.5%
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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
points
Reward type
0.7% – 6.5%
Earn rate
IDFC First Power Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
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
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 score750+
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 9 Jul 2026