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IDFC FIRST Bank · RuPay · हिन्दी

IDFC FIRST Power Credit Card: full review

The IDFC FIRST Power is the most affordable HPCL fuel card in India. At ₹199 (easily waived), it delivers 3.5% on HPCL fuel plus 2.5% on grocery and utility, strong everyday coverage at minimal cost. If you spend ₹3,000–5,000/month on HPCL fuel, this is the best value fuel card at this fee tier.

Apply now ↗Annual fee: ₹199 + taxes
Last updated: October 2026 · Current terms verified
IDFC FIRST BANK
RuPay
)))
POWER
ASHOK KUMAR
12/28
₹199 + taxes (waived on ₹50,000/year spend)Annual fee
3.5% on HPCL fuel (21 points per ₹150, on up to ₹5,000 of fuel a statement cycle); 2.5% on grocery and utility together on up to ₹4,000 of spend a cycle; 0.33% on other spends; 1 point = ₹0.25; RuPay networkReward structure
NoneLounge access

Key benefits of the IDFC FIRST Power Credit Card

21 reward points per ₹150 on HPCL fuel transactions (1 RP = ₹0.25; 3.5% effective; capped ₹5,000/month)Additional 6 Happy Coins per ₹100 on HP Pay app fuel spends (1.5% more; capped ₹10,000/month)15 reward points per ₹150 on grocery and utility bill spends (2.5% effective, on up to ₹4,000 of combined spend a statement cycle)2 reward points per ₹150 on all other retail transactions (0.33%)₹250 gift voucher on first HPCL fuel transaction of ₹250+ within 60 days25% off on movie tickets via District app (up to ₹100/month)Annual fee waived on ₹50,000/year spend, very easy to achieveRuPay card enables UPI credit card paymentsComplimentary roadside assistance up to 4 times/yearPersonal accident cover ₹2L
Apply now ↗ Min. income: ₹15,000/month (salaried) · Credit score: 650+
Pros and cons
Pros
✓ Cheapest HPCL fuel card at ₹199 fee, easily waived
✓ 3.5% + 1.5% HP Pay = up to 5% on HPCL fuel is excellent value
✓ Earns on grocery and utility at 2.5%, useful for regular household spends
✓ RuPay enables UPI payments on credit
Cons
✗ No lounge access
✗ Very low 0.33% base rate on non-fuel/grocery/utility spends
✗ Only for HPCL pumps, no benefit at BPCL or Indian Oil
✗ Caps limit value for high fuel spenders (capped at ₹5,000/month HPCL fuel)
Quick facts
Issuer IDFC FIRST Bank
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹199 + taxes (waived on ₹50,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹199
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+
SourceIDFC FIRST Bank's FIRST Power card page and Savings Maximiser terms · Last checked October 2026
Recent updates

Added the reward caps from IDFC FIRST Bank's terms to our maths: the 2.5% on grocery and utility applies to only ₹4,000 of combined spend a statement cycle (₹100 back), and the 3.5% on HPCL fuel to ₹5,000 a cycle.

Grocery and utility2.5% with no cap2.5% on up to ₹4,000 a cycle
HPCL fuel3.5% with no cap3.5% on up to ₹5,000 a cycle
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Frequently asked questions
The annual fee for IDFC FIRST Power Credit Card is ₹199 + taxes (waived on ₹50,000/year spend). The joining fee is ₹199.
The main benefits of the IDFC FIRST Power Credit Card are: 21 reward points per ₹150 on HPCL fuel transactions (1 RP = ₹0.25; 3.5% effective; capped ₹5,000/month); Additional 6 Happy Coins per ₹100 on HP Pay app fuel spends (1.5% more; capped ₹10,000/month); 15 reward points per ₹150 on grocery and utility bill spends (2.5% effective, on up to ₹4,000 of combined spend a statement cycle); 2 reward points per ₹150 on all other retail transactions (0.33%); ₹250 gift voucher on first HPCL fuel transaction of ₹250+ within 60 days; 25% off on movie tickets via District app (up to ₹100/month); Annual fee waived on ₹50,000/year spend, very easy to achieve; RuPay card enables UPI credit card payments; Complimentary roadside assistance up to 4 times/year; Personal accident cover ₹2L.
3.5% on HPCL fuel (21 points per ₹150, on up to ₹5,000 of fuel a statement cycle); 2.5% on grocery and utility together on up to ₹4,000 of spend a cycle; 0.33% on other spends; 1 point = ₹0.25; RuPay network
IDFC FIRST Power Credit Card is best for Budget HPCL fuel card with grocery and utility rewards at the lowest annual fee. The IDFC FIRST Power is the most affordable HPCL fuel card in India. At ₹199 (easily waived), it delivers 3.5% on HPCL fuel plus 2.5% on grocery and utility, strong everyday coverage at minimal cost. If you spend ₹3,000–5,000/month on HPCL fuel, this is the best value fuel card at this fee tier.
The minimum income requirement for IDFC FIRST Power Credit Card is ₹15,000/month (salaried). A minimum credit score of 650+ is also recommended.
IDFC FIRST Power Credit Card does not offer airport lounge access.
IDFC FIRST Power Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
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IDFC FIRST Power₹199 + taxes
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