IDFC FIRST Power+ Credit Card
★ 4.0 / 5 ⓘ How we rateUp to 6.5% savings on HPCL fuel + 5% on groceries & bills
✅ Verified Oct 2026 from IDFC FIRST Bank's official terms →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
Daily commuters who fill up at HPCL
Key benefits
- Up to 6.5% savings on HPCL fuel (5% on the card + 1.5% when you pay via HP Pay app)
- 30 reward points per ₹150 (~5%) on grocery, utility bills and IDFC FASTag recharges
- 3X reward points on UPI and retail spends
- Reward points never expire
What's great
- One of the best HPCL fuel cards
- Bonus on grocery & bills
- RuPay card works on UPI
Good to know
- Grocery/utility bonus capped at ₹2,000 spend per bill
- Full 6.5% needs HP Pay app
- No fuel surcharge waiver
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | 0.75% – 3.85%/month (based on profile) |
| Foreign currency markup | 3.5% |
| Cash withdrawal fee | ₹199 per withdrawal |
| Late payment fee | 15% of amount due (₹100 – ₹1,300) |
- 1% fee on rent payments
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ IDFC FIRST Power+ — common questions
Is the IDFC FIRST Power+ Credit Card lifetime free?
No. It has a joining fee of ₹499 and an annual fee of ₹499 (plus 18% GST). Annual fee waived on ₹1.5 lakh yearly spend.
What rewards does the IDFC FIRST Power+ Credit Card give?
Up to 6.5% on HPCL fuel. Up to 6.5% savings on HPCL fuel (5% on the card + 1.5% when you pay via HP Pay app).
Who is eligible for the IDFC FIRST Power+ Credit Card?
Minimum income: ₹3 lakh/year. Age: 21 – 60 years. Credit score: 720+. Final approval is decided by the bank.
Does the IDFC FIRST Power+ Credit Card give airport lounge access?
No, this card does not include airport lounge access.
What is the forex markup on the IDFC FIRST Power+ Credit Card?
3.5% on foreign currency spends (plus GST).
Who should get the IDFC FIRST Power+ Credit Card?
Daily commuters who fill up at HPCL.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.