Maximise Your Fuel Savings with the IDFC FIRST Power Credit Card

Have you been looking for a card to accelerate your fuel savings?  Then, the IDFC FIRST Power credit card will surely be your perfect match. It starts your savings journey with benefits worth ₹2,250 and lets you save up to ₹7,000 annually just on fuel!

For nominal annual fees of ₹199 + GST, this credit card packs fuel savings, lifestyle privileges and much more.  Scroll down to explore what makes the IDFC FIRST Power credit card stand out!

Exclusive Welcome Benefits and Merchant Offers on the IDFC FIRST Power Credit Card 

1. Gift Voucher

Cardholders can get a gift voucher worth ₹250 within 60 days of card set-up on the first fuel transaction of ₹250 or more at HPCL petrol pumps. However, this benefit only applies to Power cards activated on 10th June, 2025, and onwards. 

2. Fuel Cashback

For cards issued before 10th June, 2025, ₹250 cashback is given on the first fuel transaction of ₹250 or above at an HPCL fuel station. The transaction must be done within 30 days of set-up to qualify for this benefit. 

3. EMI Cashback 

You can also earn 5% cashback up to ₹1,000 on your first EMI transaction. Cardholders must opt for EMI transactions of 6 months and above within 30 days of card set-up to be eligible for this benefit.    

4. Merchant Offers

You can also take advantage of over 1,000 merchant offers available on the IDFC FIRST Bank website and the mobile banking app. Simply log in using your credit card details, registered phone number and navigate to ‘Credit Card’, then ‘Rewards’ to explore all the offers. 

Note: UPI transactions using the IDFC FIRST Power credit card will not earn fuel cashback or a voucher. In case of EMI cancellation, a foreclosure fee of 3% will be applicable.   

How to Save on Daily Spends with the IDFC FIRST Power Credit Card?  

Power your moves by earning up to 21X Reward Points on all essential spends using the IDFC FIRST Power credit card. Here’s the detail: 

1. Fuel Savings

Link your IDFC FIRST Power credit card to the HP Pay App and pay for fuel at HP petrol pumps using the app to save up to 5%. You will receive 3.5% savings via Reward Points and 1.5% via the Happy Coins on the HP Pay App.   

For every transaction of ₹150, you will earn 21 Reward Points credited in the card statement and 6 Happy Coins credited in the HP Pay App. One can earn a maximum of 700 Reward Points and 600 Happy Coins per statement cycle.   

Note: If you pay via the IDFC FIRST mobile banking app, you will only get 3.5% savings. The additional 1.5% will only be available if paid via the HP Pay App. 

2. Savings on Groceries and Utilities

Cardholders can save up to 2.5% on monthly grocery refills or utility payments with the IDFC FIRST Power credit card. You can earn 15 Reward Points on every ₹150 spent. 

You are eligible to spend a maximum of ₹4,000 per statement cycle, earning 400 Reward Points every month.  

3. FASTag Recharge Savings 

Complete your FASTag recharge via the IDFC FIRST mobile banking App or FIRST Forward App and get 15 Reward points on every ₹150 spent. You can earn up to 200 Rewards every month against your FASTag recharges. 

4. Other Retail and UPI Spends: 

Other retail spends using the IDFC FIRST mobile banking App or UPI, excluding insurance premiums, non-HPCL fuel spends, EMI transactions, ATM cash withdrawals and the above-mentioned categories, help you win 2 Reward Points for every ₹150 spent.   

Note: 1 Reward Point/Happy Coin equates to ₹0.25.  

How to Earn Bonus Reward Points on the IDFC FIRST Power Credit Card?  

Cardholders can save up to 8.67% on hotel and flight bookings via the IDFC FIRST App. Simply sign in to the App and navigate to ‘Travel & Shop’, with every ₹150 spent on: 

• Hotel reservations, you will earn 50 bonus Reward Points.
• Flight bookings, you will earn 30 bonus Reward Points.  

Additional IDFC FIRST Power Credit Card Benefits  

1. Complimentary Roadside Assistance

The IDFC FIRST Power card offers complimentary nationwide Road Side Assistance (RSA) worth ₹1,399, available for up to 4 times per year. 

2. Insurance Coverage 

IDFC FIRST Bank offers comprehensive insurance coverage in collaboration with the Oriental Insurance Company Limited. The offerings are: 

1. Lost card liability cover: ₹25,000 
2. Personal accident cover: ₹2,00,000 
3. Credit shield cover: ₹50,000 
4. Purchase protection plan: ₹25,000.    

💡Stressed about paying your IDFC FIRST Power credit card bills on time? Then link your card to the Pice app, and rest assured that all your credit card bills will be paid on time, hassle-free. 

Applicable Fees on the IDFC FIRST Power Credit Card 

Fee Type	Amount
Joining Fee	₹199 + GST
Annual Fee	₹199 + GST
Interest Rates (APR)	0.71% to 3.85% per month (8.5% to 46.2% per annum)
Overlimit Charges	2.5% or ₹550 (whichever is higher)
Late Payment Fee	15% (Between ₹100 and ₹1300)
Cash Withdrawal Charges	₹199

Note: IDFC FIRST Power credit card annual fee will be reversed if the annual spending reaches ₹50,000, excluding ATM cash withdrawal, EMIs, refunds and balance transfer.

Conclusion

The IDFC FIRST Power credit card is built for everyday savers who spend smartly on fuel, utilities and travel. With strong HPCL fuel rewards, bonus points on essentials, low fees and added protection benefits, it delivers consistent value while keeping your annual costs comfortably low.

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