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REWARD POINTS CARD

FIRST Power+ Credit Card

IDFC FIRST Bank

Earns 30 Reward Points per ₹150 on HPCL fuel, grocery & utility and IDFC FIRST FASTag, 3 per ₹150 on other retail and UPI spends, a quarterly domestic lounge visit on ₹20,000 monthly spends, and 0% forex markup.

₹499 + GST joining fee must be paid before dispatch; accelerated points are capped each statement cycle; fuel rewards only at authorised HPCL outlets; no fuel surcharge waiver; 1% fuel fee above ₹30,000 fuel spend/cycle.

FIRST Power Credit Card
ANNUAL FEE
₹499 + GST
JOINING FEE
₹499 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
30 Reward Points per ₹150 on HPCL fuel, grocery & utility and IDFC FIRST FASTag recharges; 3 Reward Points per ₹150 on other retail and UPI spends.
BEST FOR
Included: May suit cardholders who refuel at HPCL stations and pay grocery and utility bills on card within the per-cycle reward.
Included: May suit spend patterns with regular fuel purchases at HPCL outlets, including via the HP Pay App.
Included: May suit those paying grocery and utility bills and IDFC FIRST FASTag recharges on the card.
Included: May suit occasional international spending, given the 0% forex markup.
Limitation: Fuel rewards cap at 2,400 RP per statement cycle (₹12,000 spend) may wish to compare other cards.
Limitation: Those who mostly refuel at non-HPCL outlets, where no fuel rewards apply may wish to compare other cards.
Limitation: Those wanting rewards on insurance premiums, EMI transactions or cash withdrawals may wish to compare other cards.
Limitation: Those seeking a no-fee card may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: The ₹499 + GST annual fee is reversed on ₹1,50,000 spends in the previous anniversary year (excl. ATM cash, balance transfer, EMIs, fees).
Condition: Reward Points do not expire; a redemption charge of ₹99 + GST may apply.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹499 + GST
Annual / renewal fee
₹499 + GST
Fee waived at
₹1,50,000 spends in the previous anniversary year (excl. ATM cash, balance transfer, monthly EMIs, fees & charges; net of refunds)
Forex markup
0%
Finance charge
0.71% per month
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
1 visit per quarter — 1 complimentary visit per quarter (select airport lounges in India) · Unlocked by ₹20,000 spends in a calendar month; Power+ cardholders only; visits beyond the free one are chargeable; up to 3 hours per visit · ₹20,000 minimum spends in a calendar month
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
No fuel surcharge waiver; 1% fuel fee if fuel spends exceed ₹30,000 in a statement cycle
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Insurance premiums, non-HPCL fuel, EMI transactions and ATM cash earn no rewards; UPI rewards also exclude fuel, utility, grocery and FASTag; txns below ₹150 earn nothing.; Insurance premium payments, non-HPCL fuel spends, EMI transactions, ATM cash withdrawals, and transactions below ₹150
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 30 Reward Points per ₹150 on HPCL fuel, grocery & utility and IDFC FIRST FASTag recharges; 3 Reward Points per ₹150 on other retail and UPI spends.
Included: 0% forex markup on all global spends; international spends earn Reward Points as per the reward programme.
Included: 25% off movie tickets up to ₹100 once a calendar month on District app; from 18 Jun 2026 needs a transaction in the previous calendar month.
Included: Bonus Reward Points of 26.7% on hotel and 13.3% on flight bookings via the IDFC FIRST Bank app, up to 8,000 bonus RP a calendar month.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.