IDFC FIRST Power Credit Card Review 2026: Fuel Rewards, Fees, Benefits & Eligibility
Looking for an affordable fuel credit card in India? The IDFC FIRST Power Credit Card is designed for customers who regularly spend on HPCL fuel, groceries, utility bills and FASTag. With a low annual fee and accelerated rewards on selected everyday categories, it can be useful for vehicle owners and regular commuters.
The card is co-branded with HPCL (Hindustan Petroleum Corporation Limited) and is particularly focused on fuel and routine household spending.
In this detailed IDFC FIRST Power Credit Card review 2026, we cover its fees, fuel savings, reward points, welcome benefits, eligibility, annual fee waiver, UPI usage and important limitations.
Important: Credit-card fees, reward rates, eligibility rules, exclusions and promotional benefits can change. Always verify the latest terms with IDFC FIRST Bank before applying.
IDFC FIRST Power Credit Card: Quick Overview
| Feature | Details |
|---|---|
| Card | IDFC FIRST Power Credit Card |
| Issuer | IDFC FIRST Bank |
| Co-brand Partner | HPCL |
| Card Category | Fuel Credit Card |
| Network | RuPay |
| Joining Fee | ₹199 + applicable GST |
| Annual Fee | ₹199 + applicable GST |
| Annual Fee Waiver | ₹50,000 eligible annual spend |
| HPCL Fuel Rewards | 21X Reward Points per ₹150 |
| Fuel Savings | Up to 3.5% through Reward Points + up to 1.5% through HP Pay Happy Coins |
| Grocery & Utility | 15X Reward Points per ₹150 |
| FASTag | 15X Reward Points per ₹150 |
| UPI & Other Retail | 2X Reward Points per ₹150 |
| Welcome Benefit | HPCL voucher and other promotional benefits, subject to eligibility |
| Best For | Regular HPCL fuel and everyday spending |
The bank's current product information states that FIRST Power earns 21X Reward Points per ₹150 on HPCL fuel, while grocery, utility and eligible FASTag transactions earn 15X Reward Points per ₹150. Other retail and UPI transactions earn 2X Reward Points per ₹150, subject to the applicable terms.
IDFC FIRST Power Credit Card Fees & Charges
The card is positioned as a relatively low-fee fuel credit card.
Current fee structure
- Joining fee: ₹199 + GST
- Annual fee: ₹199 + GST
- Annual fee waiver: Available after ₹50,000 eligible spending in the applicable membership year
- Fuel surcharge waiver: Subject to the bank's applicable terms and conditions
- Other charges, interest and penalties apply according to the card's current schedule of charges.
The ₹50,000 annual-spend threshold is important because cardholders who meet the eligible spending requirement can have the annual fee reversed.
Apply for IDFC FIRST Power Credit Card
Is IDFC FIRST Power Credit Card lifetime free?
No. The IDFC FIRST Power Credit Card should not be described as a lifetime-free credit card.
It has a ₹199 + GST annual fee, although the annual fee can be reversed when the applicable annual spending condition is fulfilled.
Therefore, consumers should distinguish between a low-fee card with an annual fee waiver and a genuinely lifetime-free credit card.
IDFC FIRST Power Credit Card Fuel Benefits
Fuel savings are the main reason many customers consider this card.
For eligible HPCL fuel transactions, the card provides 21X Reward Points per ₹150 spent. According to IDFC FIRST Bank's published information, this corresponds to around 3.5% savings through Reward Points, subject to the applicable limits and terms.
Customers using the HP Pay app can also earn 6 Happy Coins per ₹100 spent, providing an additional potential saving of up to 1.5% on eligible fuel transactions.
That means the headline potential fuel benefit can reach approximately 5% when the applicable Reward Points and HP Pay Happy Coins are both earned.
Example of fuel savings
Suppose you spend ₹5,000 on eligible HPCL fuel.
At a 3.5% Reward Point value, the rewards are worth approximately:
₹5,000 × 3.5% = ₹175
Eligible HP Pay transactions can provide an additional benefit through Happy Coins, subject to the applicable monthly limits and terms.
This makes the card particularly relevant for customers searching for:
- Best fuel credit card in India
- HPCL credit card
- Credit card for petrol expenses
- Fuel cashback credit card
- Credit card for daily commuters
- Best credit card for car owners
- Best credit card for bike owners
Grocery and Utility Bill Rewards
The card is not limited to petrol expenses.
IDFC FIRST Bank states that FIRST Power provides 15X Reward Points per ₹150 on eligible grocery and utility spending.
This can make the card useful for regular household expenses such as:
- Grocery purchases
- Electricity bills
- Mobile and telecom expenses
- Eligible utility payments
- Other qualifying everyday transactions
However, accelerated reward categories can have transaction, statement-cycle or monthly limits. Check the latest terms before calculating your expected annual savings.
FASTag Rewards
If you frequently use highways, FASTag spending can be another useful feature.
The bank states that eligible IDFC FIRST FASTag recharges can earn 15X Reward Points per ₹150 with the FIRST Power Credit Card.
For people who regularly drive on national highways, combining fuel rewards with FASTag benefits may make the card more relevant than a general-purpose credit card.
UPI and Retail Spending
Because the card is issued on the RuPay network, eligible UPI transactions can be another reason to consider it.
The bank currently states that FIRST Power earns 2X Reward Points per ₹150 on UPI and other retail transactions, subject to applicable conditions.
However, the highest value from this card generally comes from its accelerated fuel and selected everyday categories rather than unrestricted rewards on every purchase.
IDFC FIRST Power Credit Card Welcome Benefits
The welcome offer can change over time, so applicants should check the offer displayed by IDFC FIRST Bank when applying.
IDFC FIRST Bank has published a welcome benefit for FIRST Power that includes a ₹250 HPCL fuel voucher for an eligible HPCL fuel transaction of ₹250 or more within 60 days of card setup. The bank has also described additional promotional merchant and EMI-related benefits.
Because welcome campaigns can change, do not rely on an old promotional amount when applying.
Does IDFC FIRST Power Credit Card Offer Airport Lounge Access?
The FIRST Power card is primarily positioned around fuel, grocery, utility and everyday rewards, rather than premium airport-lounge benefits.
Customers specifically looking for airport lounge access should compare the card with other IDFC FIRST Bank products and other fuel cards before applying.
For example, the bank currently lists a separate FIRST Power+ variant with a different fee structure and additional travel-related benefits.
IDFC FIRST Power Credit Card Eligibility
Eligibility is determined by IDFC FIRST Bank's internal assessment.
The bank currently states that applicants should have a healthy credit score, an acceptable credit-utilisation ratio and annual income of ₹3 lakh or more, while final card issuance remains subject to the bank's assessment.
Typical application requirements can include:
- Age and residency requirements
- PAN and identity information
- Income details
- Mobile number
- Address information
- Credit history
- Bank's internal eligibility criteria
Meeting a stated income requirement does not guarantee approval.
Documents Required
Depending on the applicant and the bank's verification process, commonly requested documents may include:
- PAN
- Aadhaar or another accepted identity document
- Address proof
- Income proof where required
- Salary slips or bank statements where applicable
The bank may request additional information during the application process.
How to Apply for IDFC FIRST Power Credit Card Online
You can apply through the official IDFC FIRST Bank credit-card application process.
Step 1
Visit the IDFC FIRST Bank credit-card section.
Step 2
Select the FIRST Power Credit Card.
Step 3
Enter your basic personal and contact information.
Step 4
Complete mobile OTP verification and provide the required information.
Step 5
Submit the application for the bank's eligibility and verification process.
The bank also states that eligible customers can apply through its website, mobile application or selected branches.
IDFC FIRST Power Credit Card Pros
Advantages include:
- Low ₹199 + GST annual fee
- Annual fee waiver at the applicable ₹50,000 spending threshold
- Strong focus on HPCL fuel spending
- Up to 3.5% fuel savings through Reward Points
- Additional HP Pay Happy Coins on eligible fuel payments
- Rewards on eligible grocery and utility spending
- Rewards on eligible FASTag recharge
- RuPay network and eligible UPI usage
- Useful for regular commuters and vehicle owners
IDFC FIRST Power Credit Card Cons
Things to consider:
- Maximum value is concentrated in specific spending categories
- Accelerated rewards are subject to applicable caps and conditions
- The card is not designed primarily as a premium travel card
- Customers who rarely use HPCL may receive less value
- Annual fee waiver requires eligible annual spending
- Reward terms and promotional benefits can change
Who Should Consider the IDFC FIRST Power Credit Card?
This card may be worth considering if you:
- Regularly purchase fuel from HPCL
- Spend several thousand rupees a month on fuel
- Have regular grocery and utility expenses
- Frequently recharge FASTag
- Want a relatively low annual-fee fuel card
- Prefer a RuPay credit card with eligible UPI functionality
- Want to combine fuel and everyday spending rewards
Who May Want to Compare Other Cards?
You may want to compare other options if:
- Your preferred fuel station is not HPCL
- You want extensive airport lounge access
- You want premium travel rewards
- Most of your spending is outside the card's accelerated categories
- You prefer a genuinely lifetime-free credit card
- Your annual fuel expenditure is very low
IDFC FIRST Power vs FIRST Power+
IDFC FIRST Bank currently offers both FIRST Power and FIRST Power+ variants.
The two cards have different fees and reward structures. FIRST Power is the lower-fee option, while FIRST Power+ has a higher annual fee and additional benefits.
Therefore, consumers should compare:
| Feature | FIRST Power | FIRST Power+ |
|---|---|---|
| Annual fee | ₹199 + GST | ₹499 + GST |
| Fuel focus | Yes | Yes |
| Grocery & utility rewards | Yes | Yes |
| FASTag rewards | Yes | Yes |
| Premium travel benefits | More limited | More extensive |
| Fee waiver threshold | ₹50,000 eligible annual spend | ₹1.5 lakh eligible annual spend |
Check the latest bank terms before applying because benefits and thresholds may change.
Is IDFC FIRST Power Credit Card Good for Fuel Expenses?
For someone who regularly purchases fuel at HPCL and can use the card's accelerated categories, the reward structure is clearly focused on reducing the effective cost of fuel and selected everyday expenses.
The most important point is to calculate your actual monthly fuel expenditure rather than focusing only on the headline percentage.
For example, a person who spends very little on HPCL fuel may not extract much value from a fuel-focused credit card. On the other hand, regular HPCL customers can potentially benefit more from the combination of Reward Points and HP Pay Happy Coins.
Frequently Asked Questions
Is IDFC FIRST Power Credit Card lifetime free?
No. The card carries a ₹199 + GST annual fee, although the applicable annual fee can be reversed after meeting the eligible ₹50,000 annual spending requirement.
How much fuel cashback does IDFC FIRST Power provide?
The card provides approximately 3.5% value through Reward Points on eligible HPCL fuel transactions. Eligible HP Pay transactions can provide an additional 1.5% through Happy Coins, making the potential combined saving up to 5%, subject to applicable limits and terms.
Can I use IDFC FIRST Power Credit Card on UPI?
The RuPay version supports eligible UPI credit-card transactions. The bank states that FIRST Power earns 2X Reward Points per ₹150 on UPI and other retail transactions, subject to applicable terms.
Is IDFC FIRST Power good for beginners?
It can be considered by beginners who have regular HPCL fuel expenses and want a relatively low annual-fee card. Approval is still subject to the bank's eligibility assessment.
Does IDFC FIRST Power offer grocery rewards?
Yes. Eligible grocery spending earns accelerated Reward Points under the card's current reward programme.
Does IDFC FIRST Power offer FASTag rewards?
Yes. The bank states that eligible FASTag recharges earn 15X Reward Points per ₹150.
What is the annual fee of IDFC FIRST Power Credit Card?
The current annual fee is ₹199 + applicable GST. The fee can be reversed after meeting the applicable annual eligible-spend requirement.
What is the minimum income required?
IDFC FIRST Bank currently states an annual income requirement of ₹3 lakh or more, along with other eligibility conditions. Final approval is subject to the bank's internal assessment.
Related Credit Card Guides
Readers comparing fuel and rewards cards may also find these guides useful:
- Best Fuel Credit Cards in India
- Best Credit Cards for Self-Employed Professionals in India
- How to Improve CIBIL Score
- Credit Card Eligibility in India
Final Thoughts
The IDFC FIRST Power Credit Card is primarily designed around fuel and everyday spending rather than premium travel benefits.
Its low ₹199 + GST annual fee, HPCL fuel rewards, grocery and utility rewards, FASTag benefits and eligible UPI functionality make it relevant for customers who can regularly use its accelerated categories.
The key question before applying is simple: How much do you actually spend at HPCL and on the card's eligible reward categories?
If your spending pattern matches the card's reward structure, it may help reduce the effective cost of fuel and selected household expenses. If your spending is mostly outside these categories, compare other credit cards before making a decision.
Always check the latest fees, reward caps, exclusions and eligibility conditions on the issuer's website before applying.
About the Author
Bhuvnesh Bhushan is the founder of Credit Card Offers India, where he publishes educational content covering credit cards, rewards, fees, comparisons, banking and personal finance. His goal is to help Indian consumers understand credit-card features and make informed decisions based on their spending requirements.
Last Updated: Oct 2026
Disclosure: This article may contain affiliate links. If a reader applies for a financial product through an eligible link, Credit Card Offers may receive compensation at no additional cost to the reader. Editorial opinions are independent and are not a guarantee of approval, rewards or savings.
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