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The IDFC FIRST Power+ Credit Card is one of India's leading fuel credit cards, designed in partnership with HPCL. It is ideal for people who regularly spend on petrol, diesel, grocery shopping, utility bill payments, and FASTag recharges.
Besides excellent fuel savings, the card also provides airport lounge access, movie ticket discounts, roadside assistance, reward points that never expire, and attractive welcome benefits. Recent updates have also added bonus rewards on travel bookings made through the IDFC FIRST Bank mobile app.
Key Features
- Up to 6.5% savings on HPCL fuel purchases.
- Up to 5% rewards on grocery, utility bills, and IDFC FIRST FASTag recharge.
- 3X Reward Points on other retail and UPI transactions.
- Reward Points never expire.
- Complimentary domestic airport lounge access (subject to spending conditions).
- 25% discount on movie tickets (up to ₹100 per month).
- Complimentary roadside assistance.
- Welcome benefits worth up to ₹2,500.
- Dynamic interest rates starting from 8.5% p.a.
- Zero interest on ATM cash withdrawals until the payment due date (cash withdrawal fee applicable).
IDFC FIRST Power+ Credit Card Fuel Benefits
If you frequently refuel at HPCL petrol pumps, this card offers excellent value through:
- Accelerated reward points on HPCL fuel purchases.
- Additional savings via the HP Pay app.
- Fuel surcharge benefits integrated into the rewards structure.
- Annual fuel savings that can reach approximately ₹18,500 for eligible spending patterns.
IDFC FIRST Power+ Credit Card Reward Points
The card rewards everyday spending:
- 30X Reward Points on HPCL fuel.
- 30X Reward Points on grocery, utility, and IDFC FIRST FASTag transactions.
- 3X Reward Points on UPI and other eligible retail transactions.
- Reward Points never expire and can be redeemed for multiple categories.
IDFC FIRST Power+ Credit Card Welcome Benefits
New cardholders can receive:
- HPCL fuel welcome voucher.
- Cashback on the first EMI conversion.
- Merchant vouchers from partner brands.
These offers are subject to eligibility and spending conditions.
Also Like: Best Cashback Credit Cards
IDFC FIRST Power+ Credit Card Lifestyle Benefits
The card includes:
- Complimentary domestic airport lounge access.
- Movie ticket discount every month.
- Roadside assistance.
- Personal accident insurance.
- Lost card liability cover.
Pros
- Excellent for regular fuel users.
- High reward rate on groceries and utilities.
- Lifetime-valid reward points.
- Good lifestyle benefits.
- Strong value for HPCL customers.
Cons
- Maximum value is achieved mainly through HPCL fuel purchases.
- Some benefits have monthly spending conditions.
- Reward eligibility depends on timely payment of at least the minimum amount due.
Who Should Apply?
This card is suitable for:
- Daily commuters
- Car owners
- Bike riders
- Professionals with regular fuel expenses
- Users who spend on grocery, utilities, and FASTag
- People looking for a fuel-focused rewards credit card
Final Verdict
The IDFC FIRST Power+ Credit Card is among the best fuel credit cards available in India. It combines fuel savings with strong rewards on daily expenses, lounge access, entertainment benefits, and flexible redemption options. If most of your fuel purchases are at HPCL outlets, this card can provide excellent overall value.
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