IDFC FIRST Bank

IDFC FIRST Power+ Credit Card

Name: IDFC FIRST Power+ Credit Card
Brand: IDFC FIRST Bank
Price: 499 INR
Availability: InStock

FuelRuPay

A RuPay co-branded fuel credit card from IDFC FIRST Bank and HPCL. Save up to 6.5% on eligible HPCL fuel spends through Reward Points and HP Pay Happy Coins, plus accelerated rewards on groceries, utilities and FASTag recharges, complimentary lounge visits, movie discounts, roadside assistance and insurance cover.

Joining fee

₹499 + GST

Annual fee

₹499 + GST

Rewards

Up to 6.5% on HPCL fuel

Best for

HPCL fuel, groceries, utilities and FASTag recharges

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Applications are assessed by the issuing bank. CardPower does not approve applications or guarantee eligibility.

IDFC FIRST Power+ Credit Card card design

Key benefits

Fees & Charges: Joining fee of ₹499 + GST; annual fee of ₹499 + GST; annual fee waived if annual spends cross ₹1,50,000 in the previous year; add-on card fee Nil; interest rate 0.71% to 3.85% per month (8.5% to 46.2% per annum); late payment charges 15% of total amount due (minimum ₹100, maximum ₹1,300); over-limit fee 2.5% of the over-limit amount (minimum ₹550).
Welcome Benefits: ₹500 gift voucher on the first HPCL fuel transaction of ₹500 or more within 60 days of card issuance, plus 5% cashback (up to ₹1,000) on the first EMI conversion.
Fuel Savings (Up to 6.5%): Earn 5% savings via 30 Reward Points per ₹150 spent at HPCL, capped at 2,400 points per statement cycle. Plus an extra 1.5% savings via the HP Pay App with 6 Happy Coins per ₹100, capped at 600 coins per month. Reward Points and Happy Coins are separate currencies.
Groceries & Utilities: Earn 5% savings via 30 Reward Points per ₹150 spent on eligible grocery and utility transactions, capped at 400 points per statement cycle.
IDFC FIRST FASTag: Earn 5% savings via 30 Reward Points per ₹150 spent on eligible FASTag recharges, capped at 200 points per statement cycle.
Travel Rewards: Earn up to 26.67% bonus reward points on eligible hotel bookings and 13.33% bonus reward points on eligible flight bookings via the IDFC FIRST Bank Mobile App.
Reward Redemption Value: 1 Reward Point = ₹0.25.
Reward Redemption Value: 1 Happy Coin = ₹0.25.
Airport Lounge Access: 1 complimentary domestic lounge visit per calendar quarter on minimum monthly spends of ₹20,000.
Movie Discount: 25% off (up to ₹100) on movie tickets once per month.
Roadside Assistance: Complimentary coverage worth ₹1,399, available up to 4 times per year.
Insurance Cover: Personal accident cover of ₹2 lakh and lost card liability cover of ₹25,000.

Fees & charges

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST
Annual fee waiver: Waived if annual spends cross ₹1,50,000 in the previous year
Add-on card fee: Nil
Interest rate: 0.71% to 3.85% per month
Annualized interest rate: 8.5% to 46.2% per annum
Late payment charges: 15% of total amount due (min. ₹100, max. ₹1,300)
Over-limit fee: 2.5% of over-limit amount (min. ₹550)
Finance charges: As per IDFC FIRST Bank schedule of charges