The IDFC FIRST Power Credit Card is an entry-level fuel rewards credit card issued by IDFC FIRST Bank in association with HPCL. It is part of the Power Series which also includes the higher-tier FIRST Power+ Credit Card.

• Co-branded RuPay credit card with HPCL
• Up to 5% savings on HPCL fuel expenses (3.5% via reward points + 1.5% via HP Pay Happy Coins)
• 2.5% savings on grocery, utility and FASTag recharges
• 2X reward points on all UPI and other retail transactions
• Bonus reward points on flight and hotel bookings via IDFC FIRST Bank Mobile App
• Never-expiring reward points (1 Reward Point = Rs.0.25)
• Low annual fee of Rs.199 with waiver on Rs.50,000 spend

• 3.5% savings via Reward Points: Earn 21X Reward Points (21 RP per Rs.150 spent) on HPCL fuel transactions, capped at 700 RP (Rs.175) per statement cycle on spends up to Rs.5,000
• 1.5% savings via HP Pay App: Earn 6 Happy Coins per Rs.100 spent through HP Pay App wallet upload or Pay by QR at HPCL stations, capped at 600 Happy Coins per month
• 1% Fuel Surcharge Waiver: On fuel transactions between Rs.200 and Rs.5,000, capped at Rs.200 per statement cycle

Grocery and Utility Savings (2.5%)

• 15X Reward Points (15 RP per Rs.150 spent) on grocery and utility transactions
• Capped at 400 Reward Points (Rs.100) per statement cycle on spends up to Rs.4,000

FASTag Recharge Savings (2.5%)

• 15X Reward Points on IDFC FIRST FASTag recharges via IDFC FIRST Bank Mobile App or FIRST Forward App
• Capped at 200 Reward Points (Rs.50) per statement cycle on spends up to Rs.2,000

UPI and Other Retail Rewards

• 2X Reward Points (2 RP per Rs.150 spent) on all UPI and other retail transactions
• No monthly capping on these reward points
• UPI rewards exclude fuel, insurance, EMI, utility, grocery and FASTag spends

Travel Bookings via IDFC FIRST App

• Hotel Bookings: 52X total Reward Points (50X bonus + 2X base) per Rs.150 spent - 8.67% savings
• Flight Bookings: 32X total Reward Points (30X bonus + 2X base) per Rs.150 spent - 5.33% savings
• Monthly cap of 8,000 bonus Reward Points
• Book via FIRST Rewards Gallery section on IDFC FIRST Bank Mobile App

Insurance Coverage

• Personal Accident Cover: Rs.2,00,000
• Credit Shield Cover: Rs.50,000
• Lost Card Liability Cover: Rs.25,000
• Purchase Protection: Rs.25,000

Roadside Assistance

• Complimentary RSA worth Rs.1,399, up to 4 times per year via Global Assure
• Includes towing (up to 50 km), battery jump start, tyre change, fuel delivery, key arrangement, and ambulance referral

Other Benefits

• Up to 20% dining discounts across 1,500+ restaurants
• Up to 15% discount on 3,000+ health and wellness outlets
• Contactless payments for transactions under Rs.5,000
• EMI conversion facility for purchases and balances
• Add-on cards available

• HPCL Fuel Gift Voucher: Rs.250 gift voucher on 1st HPCL fuel transaction of Rs.250 or above within 60 days of card setup
• EMI Cashback: 5% cashback up to Rs.1,000 on the transaction value of 1st EMI conversion (min Rs.2,500 transaction, 6+ month tenure) within 30 days of card setup
• Merchant Offers: Exciting merchant offers worth Rs.1,000+ available via IDFC FIRST Mobile Banking App rewards section

Annual Fee Waiver

• Annual fee of Rs.199 is reversed on spending Rs.50,000 or more in the previous anniversary year
• Spends milestone includes all purchases excluding ATM cash withdrawals, balance transfers, monthly EMIs, fees and charges, net of reversals/refunds

Referral Benefits

• Earn up to 10,000 Reward Points (Rs.2,500) by referring friends
• 2,000 Reward Points for every successful card setup

The IDFC FIRST Power Credit Card does not offer domestic or international airport lounge access. This is exclusive to the higher-tier IDFC FIRST Power+ Credit Card, which provides quarterly domestic lounge access on minimum monthly spends of Rs.20,000.

The IDFC FIRST Power Credit Card uses a tiered reward points system where 1 Reward Point = Rs.0.25. Minimum transaction value of Rs.150 is required to earn rewards.

• HPCL Fuel: 21X RP per Rs.150 (3.5% savings, max Rs.175/month)
• HP Pay App: Additional 6 Happy Coins per Rs.100 (1.5% savings, max Rs.150/month)
• Grocery and Utility: 15X RP per Rs.150 (2.5% savings, max Rs.100/month)
• FASTag Recharge: 15X RP per Rs.150 (2.5% savings, max Rs.50/month)
• Hotels via IDFC App: 52X RP per Rs.150 (8.67% savings, max 8,000 bonus RP/month)
• Flights via IDFC App: 32X RP per Rs.150 (5.33% savings, max 8,000 bonus RP/month)
• All Other Spends and UPI: 2X RP per Rs.150 (0.33% savings, no cap)

Excluded Categories

Reward points are not earned on EMI transactions, ATM cash withdrawals, insurance premium payments, rent payments, and wallet loads.

Redemption Options

• Flight and hotel bookings via FIRST Rewards Gallery on IDFC FIRST Bank Mobile App (up to 70% of booking value, monthly cap 1,00,000 RP, annual cap 2,00,000 RP)
• Brand vouchers and gift cards via rewards portal
• Products from the Rewards Redemption Catalogue
• Pay directly at select merchants using Reward Points

Points Expiry

Reward points on the IDFC FIRST Power Credit Card never expire.

• Indian citizen
• Age: 21 to 65 years
• Annual income: Rs.3,00,000 or more (salaried or self-employed)
• CIBIL score: 750 or above recommended
• Credit utilisation ratio within acceptable limits

Employment

• Both salaried and self-employed individuals are eligible

• PAN Card
• Aadhaar Card
• Passport
• Driving License
• Voter ID
• Overseas Citizen of India Card
• NREGA Job Card
• Letters issued by UIDAI

Proof of Address (Any one)

• Aadhaar Card
• Passport
• Driving License
• Utility Bill (not more than 3 months old)
• Ration Card
• Property Registration Document
• Bank Account Statement

Proof of Income (Any one)

• Latest 1-2 salary slips (not more than 3 months old)
• Latest Form 16
• Last 3 months bank statement
• Income Tax Returns (ITR) copy

1. Visit the IDFC FIRST Bank website and navigate to Credit Cards
2. Select the FIRST Power Credit Card
3. Enter your mobile number and verify via OTP
4. Fill in personal details including name, date of birth, and contact information
5. Provide income and employment details
6. Review, accept terms and conditions, and submit

Mobile Banking App

1. Open the IDFC FIRST Bank Mobile Banking App
2. Navigate to the Credit Cards section
3. Select the FIRST Power Credit Card and click Apply
4. Follow the on-screen application process

Branch Application

1. Visit the nearest IDFC FIRST Bank branch
2. Request the FIRST Power Credit Card application form
3. Submit with required documents

At HPCL Fuel Stations

You can also apply at select HPCL fuel stations and pumps.

The IDFC FIRST Power Credit Card is a well-designed entry-level fuel card that delivers meaningful savings for regular HPCL customers. With up to 5% savings on HPCL fuel, 2.5% on grocery and utility expenses, and bonus rewards on travel bookings via the bank app, it offers broader value than many competing fuel cards at a fraction of the cost.

At just Rs.199 annual fee (easily waivable at Rs.50,000 spend), never-expiring reward points, interest-free ATM withdrawals, and comprehensive insurance coverage, the card represents excellent value for money. However, it is best suited as a supplementary card for HPCL loyalists rather than a primary spending card, given its limited lounge access and high forex markup.