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Credit Cards · India

IDFC FIRST Power Credit Card

Updated 3 Jul 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 2.67% on Hindustan Petroleum (HPCL) spends in the form of cashback.

IDFC FIRST Bank logo
IDFC FIRST Power Credit Card
RuPay logo
  • Joining Fee₹199
  • Annual Fee₹199
  • Best Suited ForFuel
  • Reward TypeCashback
Rewards Rate
  • 2.67% on hpcl fuel via hp pay (cap 500 cashback inr / monthly)
  • 1.33% on grocery utility (cap 300 cashback inr / monthly)
  • Base 0.21% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
IDFC FIRST Bank logoIDFC FIRSTRuPay logoplatinumentryCo-brand · Hindustan Petroleum (HPCL) ↗
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Rewards and Benefits

Rewards Rate
2.67% on hpcl fuel via hp pay (cap 500 cashback inr / monthly)
1.33% 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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹27/mo

    You spend ₹8,000 · earns 0.3% = ₹27 uncapped

    • Capped at ₹300/mo
  • Utilities & bills₹17/mo

    You spend ₹5,000 · earns 0.3% = ₹17 uncapped

    • Capped at ₹300/mo

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹31/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹17/mo
  • Fuel₹4,000 · 0.2% = ₹8/mo

    Fuel — earns base; accelerated rate needs booking via hpcl, hp-pay

  • Travel & hotels₹10,000 · 0.2% = ₹21/mo
Est.net rewards for this spend, realistic
₹1,445/yr

₹1,445 rewards − ₹0 annual fee. Estimate for the spend you entered.

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.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 2.67% on hpcl fuel via hp pay (cap 500 cashback inr / monthly)
    Merchants: hpcl-fuel-stations, hp-pay
    4% cashback on fuel at HPCL via HP Pay app.
  • 1.33% 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

Last verified 3 Jul 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.
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