IDFC FIRST Power Credit Card
★ 3.9 / 5 ⓘ How we rateUp to 5% savings on HPCL fuel for just ₹199
✅ Verified Oct 2026 from IDFC FIRST Bank's official terms →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
Two-wheeler riders and light fuel users
Key benefits
- Up to 5% savings on HPCL fuel (including 1.5% via HP Pay app)
- Up to 5% savings on grocery and utility bills
- Reward points on UPI and retail spends
- Free add-on card for family
What's great
- Very low fee, easy waiver
- Good for HPCL fuel
- RuPay card works on UPI
Good to know
- Monthly caps on bonus categories
- Lower rewards than Power+
- No lounge access
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% – 3.5%/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 ₹199 and an annual fee of ₹199 (plus 18% GST). Annual fee waived on ₹50,000 yearly spend.
What rewards does the IDFC FIRST Power Credit Card give?
Up to 5% on HPCL fuel. Up to 5% savings on HPCL fuel (including 1.5% 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: 700+. 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?
Two-wheeler riders and light fuel users.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.