IDFC FIRST Power+ Credit Card on PhonePe
Yes. The IDFC FIRST Power+ Credit Card gives 5% back when you pay on PhonePe directly, compared with 0.5% on its other spends.
On PhonePe
5%
Other spends
0.5%
Rank for PhonePe
#5 of 149
Annual fee
Free
What to know before you pay on PhonePe
How it works
Grocery apps and bill payments earn 5% (assuming they code as grocery/utility; telecom assumed to count as utility). 5% fuel only at HPCL, so IndianOil shows 0.
Caps & rules
- 30 points per ₹150 (5%) on HPCL fuel, grocery, utilities and IDFC FASTag; 3 per ₹150 (0.5%) on other retail.
- Extra 6 HP Happy Coins per ₹100 via HP Pay app.
Reward limits
- 30 points per ₹150 on HPCL fuel, grocery, utilities and FASTag; 3 per ₹150 elsewhere: No published limit
No rewards on
EMI, cash withdrawals; fuel outside HPCL
Checked 2026-10-03 · Bank terms
Cards that earn more on PhonePe
-
#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹1,500 a month
10%
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#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
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#3
PhonePe HDFC Bank Ultimo Credit Card
HDFC Bank · ₹2,999 + Taxes · Max ₹1,000 a month
10%
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Where else the IDFC FIRST Power+ Credit Card earns more
Questions
Does the IDFC FIRST Power+ Credit Card give rewards on PhonePe?
Yes. The IDFC FIRST Power+ Credit Card gives 5% back when you pay on PhonePe directly, compared with 0.5% on its other spends.
Is there a limit on IDFC FIRST Power+ Credit Card rewards?
30 points per ₹150 (5%) on HPCL fuel, grocery, utilities and IDFC FASTag; 3 per ₹150 (0.5%) on other retail. Extra 6 HP Happy Coins per ₹100 via HP Pay app.
Which credit card is best for PhonePe?
PhonePe SBI Card SELECT BLACK gives the most on PhonePe, 10% back. The IDFC FIRST Power+ Credit Card ranks #5 of 149 cards we compared.