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IDFC FIRST Bank · RuPay · हिन्दी

IDFC FIRST Power Plus Credit Card: full review

The IDFC FIRST Power Plus is the best HPCL fuel card in India for users spending ₹5,000–12,000/month on HPCL fuel. The 5% combined with HP Pay taking it to 6.5%, plus 5% on grocery and utility at ₹499 fee (easily waived) makes it exceptionally strong. It directly competes with ICICI HPCL Super Saver and wins on higher caps.

Apply now ↗Annual fee: ₹499 + taxes
Last updated: October 2026 · Current terms verified
IDFC FIRST BANK
RuPay
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POWER PLUS
ASHOK KUMAR
12/28
₹499 + taxes (waived on ₹1,50,000/year spend)Annual fee
5% on HPCL fuel (30 points per ₹150, on up to ₹12,000 of fuel a statement cycle); 5% on grocery and utility together on up to ₹2,000 of spend a cycle; 0.5% on other spends; 1 point = ₹0.25; RuPay networkReward structure
1 domestic visit a quarter (on ₹20,000 monthly spend)Lounge access

Key benefits of the IDFC FIRST Power Plus Credit Card

30 reward points per ₹150 on HPCL fuel transactions (1 RP = ₹0.25; 5% effective; on up to ₹12,000 of fuel a statement cycle)Additional 6 Happy Coins per ₹100 on HP Pay app fuel spends (1.5% more, effective 6.5% combined)30 reward points per ₹150 on grocery and utility bill payments (5% effective, on up to ₹2,000 of combined spend a statement cycle)3 reward points per ₹150 on all other retail transactions (0.5%)1 domestic lounge visit a quarter on ₹20,000 monthly spend₹500 gift voucher on first HPCL fuel transaction of ₹500+ within 60 days25% off on movie tickets via District app (₹100 off/month, on any spend in previous calendar month)Annual fee waived on ₹1.5L/year spendComplimentary roadside assistance up to 4 times/year
Apply now ↗ Min. income: ₹20,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Best HPCL fuel card at entry fee level, 5% on fuel is highest for ₹499 fee
✓ Also earns 5% on grocery and utility, strong household coverage
✓ Zero forex markup on international spends
✓ RuPay enables UPI payments on credit
Cons
✗ Only for HPCL pumps, no benefit at BPCL or Indian Oil
✗ Lounge visits need ₹20,000 of spend a month
✗ Grocery/utility cap is low at ₹2,000/month spend
✗ 0.5% on other categories is modest
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 → ₹499 + taxes (waived on ₹1,50,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit a quarter (on ₹20,000 monthly spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
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 5% on grocery and utility applies to only ₹2,000 of combined spend a statement cycle (₹100 back), and the 5% on HPCL fuel to ₹12,000 a cycle. The card now has zero forex markup, and lounge visits need ₹20,000 of spend a month.

Grocery and utility5% with no cap5% on up to ₹2,000 a cycle
Forex markup3.5%0%
Lounge spend needed₹5,000 a month₹20,000 a month
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Frequently asked questions
The annual fee for IDFC FIRST Power Plus Credit Card is ₹499 + taxes (waived on ₹1,50,000/year spend). The joining fee is ₹499.
The main benefits of the IDFC FIRST Power Plus Credit Card are: 30 reward points per ₹150 on HPCL fuel transactions (1 RP = ₹0.25; 5% effective; on up to ₹12,000 of fuel a statement cycle); Additional 6 Happy Coins per ₹100 on HP Pay app fuel spends (1.5% more, effective 6.5% combined); 30 reward points per ₹150 on grocery and utility bill payments (5% effective, on up to ₹2,000 of combined spend a statement cycle); 3 reward points per ₹150 on all other retail transactions (0.5%); 1 domestic lounge visit a quarter on ₹20,000 monthly spend; ₹500 gift voucher on first HPCL fuel transaction of ₹500+ within 60 days; 25% off on movie tickets via District app (₹100 off/month, on any spend in previous calendar month); Annual fee waived on ₹1.5L/year spend; Complimentary roadside assistance up to 4 times/year.
5% on HPCL fuel (30 points per ₹150, on up to ₹12,000 of fuel a statement cycle); 5% on grocery and utility together on up to ₹2,000 of spend a cycle; 0.5% on other spends; 1 point = ₹0.25; RuPay network
IDFC FIRST Power Plus Credit Card is best for Best HPCL fuel card in India for medium-to-high monthly fuel spenders. The IDFC FIRST Power Plus is the best HPCL fuel card in India for users spending ₹5,000–12,000/month on HPCL fuel. The 5% combined with HP Pay taking it to 6.5%, plus 5% on grocery and utility at ₹499 fee (easily waived) makes it exceptionally strong. It directly competes with ICICI HPCL Super Saver and wins on higher caps.
The minimum income requirement for IDFC FIRST Power Plus Credit Card is ₹20,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, IDFC FIRST Power Plus Credit Card offers 1 domestic visit a quarter (on ₹20,000 monthly spend).
IDFC FIRST Power Plus Credit Card charges a 0% foreign currency markup on international transactions. This is one of the best forex rates in India.
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IDFC FIRST Power Plus₹499 + taxes
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