IDFC FIRST Power+ Credit Card
Fees
Free
Joining & Annual 1st Year FreeReward Rate
Save up to 6.5% on HPCL fuel spends when utilizing reward multipliers and the HP Pay App; includes savings on grocery, utility categories, and IDFC FIRST FASTag recharges
Welcome Bonus
N/A
Lounge Access
Domestic (₹20K Monthly Spend)
FindMyCard Expert Take
IDFC FIRST Power+ is a genuinely free fuel-and-household card: up to 6.5% back on HPCL fuel spends through the HP Pay app, plus rewards on groceries, utilities and FASTag recharges. Lounge access is tied to quarterly spend thresholds, so it's best suited to consistent spenders.
Pros & Cons
Key Advantages
- Up to 6.5% combined savings on HPCL fuel spends
- Bonus rewards on groceries and utility bills
- Rewards on FASTag toll recharges too
- Domestic airport lounge access included
- Low cash conversion reward redemption parity threshold
Limitations
- Top fuel savings require paying through the HP Pay app
- Monthly spend caps: ₹12,000 on HPCL fuel, ₹10,000 via HP Pay app, ₹2,000 on groceries/utilities, ₹1,000 on FASTag recharges
- Lounge access privileges are conditional upon hitting quarterly spending thresholds
Editorial Verdict
The IDFC FIRST Power+ Credit Card is ideally suited for fuel spends at hpcl pumps via hp pay, groceries, and household utility bills. If you want save up to 6.5% on hpcl fuel spends when utilizing reward multipliers and the hp pay app; includes savings on grocery, utility categories, and idfc first fastag recharges, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Good (720+) credit to be approved.
Key Perks & Spending Milestones
Up to 6.5% maximum potential value back or savings realized on fuel transactions processed across the HPCL network
Accelerated reward multipliers on grocery purchases and standard household utility bill payments
Accelerated reward points structured natively on toll recharges executed for IDFC FIRST FASTag cards
Standard redemption value benchmark where 1 Reward Point = ₹0.25 within the card system
1 complimentary domestic airport lounge terminal access visit per calendar quarter (conditioned on completing a minimum spend threshold of ₹20,000 in the preceding rolling month)
Built-in fuel surcharge waivers layered directly across authorized HPCL petroleum pump swipes
🚀 Milestone Spends Timeline
Custom spend-based milestone perks, registration rewards, and digital fee reversal paths governed under the bank's active account life cycles
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Subject to IDFC FIRST Bank standard retail spend parameters
Regular Interest Charges
Subject to standard IDFC FIRST Bank dynamic tier interest rate architectures
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Compare IDFC FIRST Power+ Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Power+ Credit Card This Card | Free | Save up to 6.5% on HPCL fuel spends when utilizing reward... | Domestic (₹20K Monthly Spend) | 4.0/5 |
| Standard Chartered Super Value Titanium Credit Card | ₹750 + Taxes | 5% cashback on fuel, telecom & utility bills (capped... | — | 4.3/5 |
| HDFC IndianOil Credit Card | ₹500 + Taxes | 5% Fuel Points at IndianOil outlets, groceries, and bill payments | No Lounge Access | 4.2/5 |
| IndianOil Kotak Credit Card | ₹499 + Taxes | 24 points per ₹150 on IndianOil fuel (~4% value-back, capped at... | No Lounge Access | 4.2/5 |