IDFC FIRST Bank
IDFC First Power+ Credit Card
Your rating
Community rating
Best for fuel savings on HPCL plus everyday rewards
Joining Fee
₹499
Annual Fee
₹499
Reward Rate
1.5% – 6.5%
Forex Markup
3.5%
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IDFC First Power+ Credit Card Benefits
Welcome benefit: ₹500 HP Pay voucher on meeting activation conditions
Earn up to 6.5% value back on HPCL fuel spends via HP Pay (including Reward Points and HP Pay benefits)
Earn 5X Reward Points on grocery and utility bill payments
Earn 3X Reward Points on FASTag recharges
Earn 1 Reward Point per ₹150 on all other eligible retail spends
4 complimentary domestic airport lounge visits per year (1 per quarter) on spending ₹20,000 in the previous calendar month
1% fuel surcharge waiver on HPCL fuel transactions between ₹200 and ₹5,000
Reward Points never expire
IDFC First Power+ Credit Card Rewards
How you earn back on every swipe
points
Reward type
1.5% – 6.5%
Earn rate
2
Points / ₹100
₹0.25
Per point
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₹499
Annual fee₹499
Fee waiver on annual spend₹1,50,000
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 waiverNo
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
SalariedSelf employed
Pros & Cons
Pros
- Excellent value for frequent HPCL fuel users
- Higher fuel benefits than the standard FIRST Power Card
- Complimentary domestic lounge access
- Good rewards on grocery, utility, and FASTag spends
- Reward Points never expire
- Reasonable annual fee with spend-based waiver
- Welcome voucher adds first-year value
- Suitable for users with regular fuel expenses
Cons
- Fuel benefits are primarily limited to HPCL outlets
- Lounge access requires monthly spend eligibility
- Forex markup of 3.5% is high
- Base reward rate on general spending is modest
- No international lounge access
- No golf or premium travel benefits
- Reward rates on fuel are subject to monthly caps and HP Pay usage
- Less attractive for users who do not regularly purchase fuel from HPCL
Quick Links
Data last updated 9 Jul 2026