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Introduction
If you regularly spend money on petrol, diesel, groceries, and utility bills, the IDFC FIRST Power Credit Card is one of the best entry-level fuel credit cards available in India in 2026. Co-branded with HPCL, this RuPay credit card offers attractive fuel savings, reward points, roadside assistance, and welcome benefits at an affordable annual fee.
This review covers everything you need to know before applying.
Key Highlights
| Feature | Details |
|---|---|
| Card Type | Fuel Credit Card |
| Network | RuPay |
| Joining Fee | ₹199 + GST |
| Annual Fee | ₹199 + GST |
| Fee Waiver | ₹50,000 annual spend |
| Fuel Savings | Up to 5% at HPCL |
| Welcome Benefit | HPCL Fuel Voucher |
| Best For | Daily commuters and vehicle owners |
Major Benefits
1. Fuel Savings
The biggest attraction is fuel savings at HPCL fuel stations.
Benefits include:
- Up to 5% savings on HPCL fuel
- Reward Points on fuel transactions
- Fuel surcharge waiver (as applicable)
- Extra rewards through HP Pay
Also Read : Kotak League Platinum Credit Card Review 2026
2. Grocery & Utility Rewards
Besides fuel, the card also rewards everyday spending.
Eligible categories include:
- Grocery shopping
- Electricity bills
- Mobile recharge
- Gas bills
- Water bills
Users can earn accelerated reward points on these categories, subject to monthly caps.
3. Welcome Benefits
New cardholders receive welcome benefits after completing the eligible first transaction, including an HPCL fuel voucher and other promotional offers announced by the bank.
4. Roadside Assistance
The card also provides complimentary roadside assistance services, making it useful for car and bike owners.
Read more: Kotak Cashback Plus Credit Card Review 2026
5. Reward Points
You earn reward points on:
- Fuel
- Grocery
- Utility payments
- FASTag recharge
- UPI transactions
- Retail purchases
Reward points can be redeemed through the IDFC FIRST rewards platform.
IDFC FIRST Power Credit Card Fees & Charges
- Joining Fee: ₹199 + GST
- Annual Fee: ₹199 + GST
- Annual Fee Waiver: Spend ₹50,000 in a membership year
- Interest Rate: Dynamic, based on customer profile
- Fuel Surcharge Waiver: Available as per terms and conditions.
Pros
✅ Affordable annual fee
✅ Up to 5% fuel savings
✅ Rewards on grocery and utility payments
✅ Roadside assistance
✅ UPI-enabled RuPay card
✅ Welcome benefits
Cons
❌ Maximum value is for regular HPCL users
❌ Reward categories have monthly caps
❌ Premium travel perks are limited compared to higher-end cards
Who Should Apply?
This card is ideal for:
- Daily commuters
- Bike owners
- Car owners
- Working professionals
- Students with regular fuel expenses
- Families spending on groceries and utilities
Final Verdict
The IDFC FIRST Power Credit Card remains a strong value-for-money option in 2026 for users who frequently refuel at HPCL stations and want rewards on everyday spending. Its low annual fee, annual fee waiver threshold, fuel rewards, and additional benefits like roadside assistance make it an attractive choice for budget-conscious consumers. Those seeking premium travel benefits or unrestricted rewards may prefer higher-tier cards, but for fuel-focused spending this card is highly competitive.
FAQ
Q1. Is the IDFC FIRST Power Credit Card lifetime free?
No. It has a ₹199 + GST annual fee, which can be waived by meeting the annual spending requirement.
Q2. Which fuel stations are eligible for rewards?
HPCL fuel stations.
Q3. Does it offer lounge access?
The base FIRST Power card generally focuses on fuel and everyday rewards rather than airport lounge benefits.
Q4. Is this card good for beginners?
Yes. Its low fee and everyday rewards make it a good first fuel credit card.
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