IDFC First Power+ Credit Card: Fees, Rewards & Benefits
Fuel card with lounge access
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The IDFC First Power+ is a focused fuel card that rewards HPCL loyalists with ~5% back up to a Rs.12,000 monthly cap, at a negligible Rs.499 fee that's easily waived. Outside fuel and grocery, however, its 0.5% base rate and 3.5% forex markup are weak.
Fuel card with lounge access
The Bottom Line
The IDFC First Power+ is built for hpcl fuel loyalist and budget-conscious rupay/upi user. With a ₹499 annual fee that is waived on ₹1,50,000 yearly spend, it offers 5% rewards on hpcl authorized fuel stations (fuel) and a welcome benefit worth ₹500. It makes the most sense if your spending matches hpcl fuel loyalist and budget-conscious rupay/upi user.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with HPCL fuel loyalist, Budget-conscious RuPay/UPI user. The renewal fee gets easier to justify once you can hit ₹1,50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealCommuters who refuel exclusively at HPCL stations can capture ~5% back up to Rs.12,000/month, making the Rs.499 fee easy to justify.
Those wanting a cheap card with UPI linkage and never-expiring points for fuel and grocery.
Probably not for
SkipThe 3.5% forex markup and zero international lounge access make this a poor fit for overseas spends.
Anyone whose spend isn't concentrated at HPCL gets only ~0.5% base value, far below better all-rounders.
Is It Worth It For You?
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Reward Rates
IDFC First Power+ offers 0.5% basic reward rate.
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Welcome Offer
INR 500 cashback on first transaction of INR 500 or above at an HPCL fuel station. Plus 5% cashback up to INR 1,000 on first EMI conversion. Joining benefits applicable for 30 days from card set-up.
Milestone Benefits
Annual fee waiver on spends of INR 1,50,000 in a year.
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 700
- Age 21+; annual income ₹3L+; CIBIL 700+; co-branded HPCL fuel card on RuPay Select; annual fee ₹499 waived on ₹1.5L annual spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Transactions
- Excluded from earning Reward Points. Rewards on UPI transactions are also not applicable for EMI.
Cash Withdrawal
- Excluded from earning Reward Points.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹499 annual fee. Apply on the IDFC First Bank website.
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