IDFC FIRST Power Credit Card
Updated 15 Apr 2026Source-linked
The IDFC FIRST Power Credit Card is a entry co-branded credit card from IDFC FIRST Bank and Hindustan Petroleum (HPCL), with a joining fee of ₹199 + GST.
It earns up to 4% back on Hindustan Petroleum (HPCL) spends in the form of cashback.
IDFC FIRST Power Credit Card
- Joining Fee₹199
- Annual Fee₹199
- Best Suited ForFuel
- Reward TypeCashback
Rewards Rate
- 4% on hpcl fuel via hp pay (cap 500 cashback inr / monthly)
- 2% on grocery utility (cap 300 cashback inr / monthly)
- Base 0.21% on other spends
Welcome Benefits
- Not applicable
Rewards and Benefits
Rewards Rate
4% on hpcl fuel via hp pay (cap 500 cashback inr / monthly)
2% on grocery utility (cap 300 cashback inr / monthly)
Base 0.21% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹200 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded entry card by IDFC FIRST Bank and Hindustan Petroleum (HPCL).
- Joining / annual fee of ₹199 + GST, waived on annual spends of ₹50,000.
- Available on the RuPay network.
Pros & Cons
Pros
- Annual fee waivable on ₹50,000 spend.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No complimentary airport lounge access.
Accelerated rewards
- 4% on hpcl fuel via hp pay (cap 500 cashback inr / monthly)Merchants: hpcl-fuel-stations, hp-pay4% cashback on fuel at HPCL via HP Pay app.
- 2% on grocery utility (cap 300 cashback inr / monthly)
Exclusions
The following spend categories earn no rewards on this card:
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200 per monthly.
Sources
- : www.idfcfirstbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.