IDFC FIRST Power+ Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
5% savings on HPCL fuel spends (30 reward points per ₹150 spent), capped at 2,400 reward points per statement cycle; additional savings on groceries, utilities and FASTag recharges
Welcome Bonus
N/A
Lounge
Domestic (₹20K Monthly Spend)
Recent changes
Our 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.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
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
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
Pros & Cons
Key Advantages
- 5% savings on HPCL fuel spends (30 points per ₹150), capped at 2,400 points per statement cycle
- 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
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
Spend milestone
Custom spend-based milestone perks, registration rewards, and digital fee reversal paths governed under the bank's active account life cycles
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
Subject to IDFC FIRST Bank standard retail spend parameters
Interest rate
Subject to standard IDFC FIRST Bank dynamic tier interest rate architectures
Late payment fee
Nil for balance up to ₹500; ₹400 for ₹501-₹5,000; ₹600 for ₹5,001-₹10,000; ₹800 for balance above ₹10,000.
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good (720+)
Frequently Asked Questions
What's the actual fuel savings on IDFC FIRST Power+?
Did IDFC FIRST Power+'s reward points policy change in 2026?
What are the monthly caps on Power+'s bonus categories?
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 | 5% savings on HPCL fuel spends (30 reward points per ₹150 spent),... | Domestic (₹20K Monthly Spend) | 4.0/5 |
| Standard Chartered Super Value Titanium Credit Card | ₹750 + Taxes | 5% cashback on fuel, telecom & utility bills (capped... | No Lounge Access (Premium Banking customers get 1 Priority Pass visit/month) | 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 |