About IDFC FIRST Power+ Credit Card
IDFC FIRST Bank has partnered with HPCL to offer two co-branded fuel credit cards – Power and Power Plus. The Power Plus variant is the superior option, offering a 6.5% return via reward and loyalty points on fuel purchases. While alternatives like Indian Oil RBL XTRA and BPCL SBI Card Octane offer higher returns, they also come with steeper fees, making the Power Plus card a strong contender in its fee segment.
Apart from fuel savings, the card also provides accelerated rewards on categories like groceries, utility bills, and FASTag recharges. Additional benefits include complimentary airport lounge access, movie vouchers, and roadside assistance. For users looking to save significantly on fuel and routine expenses, this card is a worthy option.
For more fuel card options, you can also check our detailed guide on best fuel credit cards in India.
IDFC FIRST Bank, in collaboration with Hindustan Petroleum Corporation Limited (HPCL), has launched the co-branded FIRST Power Plus Credit Card with a joining fee of Rs. 499. With the HPCL IDFC FIRST Power+ Credit Card, users can earn a value-back of up to 6.5% on fuel spends at Hindustan Petroleum Corporation Limited outlets.
Apart from fuel, this card also offers decent savings on everyday categories like groceries and utility bill payments. Although it does not provide a fuel surcharge waiver, the higher reward rate on fuel transactions helps balance this limitation, making it one of the best fuel credit cards in India.
Additional benefits such as complimentary lounge access, movie discounts, and roadside assistance further enhance its overall value. With a comparatively low annual fee of ₹499, this card is especially attractive for beginners looking for a budget-friendly fuel credit card with multiple benefits.
IDFC FIRST Power+ Credit Card Rewards Program
Rewards Structure:
- Fuel Savings: Get 5% savings (30 reward points per ₹150) on HPCL fuel spends, up to 2,400 reward points per statement cycle
- HP Pay App Benefit: Earn 1.5% savings with 6 Happy Coins per ₹100 spent on fuel via HP Pay App (up to 600 Happy Coins per month)
- Grocery & Utilities: Get 5% savings (30 reward points per ₹150) on grocery and utility spends (up to 400 reward points per statement cycle)
- FASTag Recharge: Enjoy 5% savings (30 reward points per ₹150) on IDFC FIRST FASTag recharges (up to 200 reward points per statement cycle)
- Travel Benefits: Get up to 8.83% savings with 53 reward points per ₹150 on hotels and 33 points per ₹150 on flights via the Travel & Shop section on IDFC FIRST mobile app
- Other Spends: Earn unlimited 3 reward points per ₹150 on all other spends
- Redemption Value: 1 reward point = ₹0.25
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefits
- Get a ₹500 gift voucher after your first HPCL fuel transaction.
- Enjoy 5% cashback, up to ₹1,000, on your first EMI conversion.
- Avail 1 complimentary visit to a domestic airport lounge every calendar quarter by spending ₹20,000 or more in a month.
Entertainment Benefit
- Get 25% discount (up to ₹100) on movie tickets once a month on the Paytm Mobile App using promo code IDFCCCFM.
Annual Fee Waiver
- Get your annual fee waived on spending ₹1.5 lakh or more in the previous card anniversary year.
Value-Added Benefits
- Complimentary roadside assistance worth ₹1,399, available up to 4 times a year.
- Personal accident insurance cover of ₹2 lakh and lost card liability protection up to ₹25,000.
Also Read – Best Credit Cards in India 2026
Fees and Charges
| Fee Type | Amount |
|---|
| Joining/Annual Fee | Rs. 499 + Applicable Taxes |
| Add-on Card Fee | Nil |
| Interest Rate | 0.71% to 3.85% p.m. | 8.5% to 46.2% p.a. |
| OVL Charges | 2.5% of the over-limit amount ( minimum Rs. 550) |
| Late Payment Charges | 15% of total amount due (min. Rs. 100, max. Rs. 1,300) |
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Document Required For IDFC FIRST Power+ Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Power+ Credit Card Highlights
What do we like about this card?
- Attractive introductory benefits with total value up to Rs. 1,650
- Includes lifestyle privileges across travel, movies, and roadside assistance
- 0% interest on cash withdrawals till the due date
- Potential annual savings of up to Rs. 18,500 — equivalent to over 175 litres of fuel
Things to Know Before you apply
Get this card if:
- You frequently refuel at HPCL petrol pumps.
- You want a fuel credit card with a low annual fee.
- You drive regularly and spend significantly on fuel.
- You are comfortable redeeming reward points only for fuel purchases.
Pros
- Up to 6.5% savings on fuel transactions
- Up to 8.83% savings on travel spends
- Up to 5% savings on IDFC FIRST FASTag, groceries, and utility bills
- Monthly movie ticket discount
Cons
- Low reward redemption value (Rs. 0.25 per point)
- Fuel rewards applicable only on HPCL fuel purchases
- No fuel surcharge waiver
- Airport lounge access is conditional on monthly spending
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
Individuals aged 21 years or above with a stable annual income of at least ₹3 lakh and a good credit score are eligible.
As an activation benefit, you get ₹500 cashback on your first fuel transaction (minimum spend ₹500) within 30 days of card issuance.
Yes, reward points are capped as follows per statement cycle:
₹12,000 on HPCL fuel spends
₹10,000 on HP Pay App
₹2,000 on grocery & utilities
₹1,000 on IDFC FIRST FASTag recharge
Each reward point is worth ₹0.25.
Yes, you get 1 complimentary domestic airport lounge visit every quarter on minimum monthly spends of ₹20,000.
The Power Plus card offers up to 6.5% value-back on fuel spends, while the base Power card offers up to 5%.
