IDFC FIRST Power+ Credit Card

Name: IDFC FIRST Power+ Credit Card
Brand: IDFC FIRST Bank

IDFC FIRST Bank • Up to 6.5% savings at HPCL, plus RuPay UPI

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An HPCL co-branded fuel card with accelerated rewards on fuel, grocery, utility and FASTag spends. It also supports credit card on UPI through its RuPay variant and offers a quarterly domestic lounge visit on meeting the monthly spend condition.

Annual Fee (+ 18% GST)₹499 (₹589 incl. GST)

Fee WaiverAnnual fee waived on spends of ₹1,50,000 or more in the previous year

Joining PerkWelcome benefits worth ₹2,500, including a ₹500 gift voucher on the first HPCL fuel transaction of ₹500 or more

Primary Reward30X Reward Points per ₹150 on HPCL fuel, grocery and utility and IDFC FASTag recharge, up to 6.5% savings on HPCL fuel with HP Pay Happy Coins

Airport Lounge Access1 Domestic Lounge visit per quarter, on ₹20,000 monthly spends

Forex Markup0% + 18% GST

RuPay UPIYes — RuPay UPI enabled

Best ForHPCL fuel users who also spend on groceries, utilities and FASTag recharges

What We Like

Up to 6.5% savings on HPCL fuel spends
5% rewards on grocery, utility and FASTag recharge as listed officially
RuPay variant can be linked for UPI payments

Watch Out

Best fuel value only at HPCL outlets
Annual fee of ₹499 plus GST unless the ₹1,50,000 waiver target is met
No separate fuel surcharge waiver, value comes through rewards

MITC & Hidden Charges

Annual fee ₹499. With 18% GST the total is ₹589. Joining fee is also ₹499 plus GST. Annual fee is waived on spends of ₹1,50,000 or more in the previous year. Reward redemption charge of ₹99 plus GST applies as listed on the official page.

IDFC FIRST Power+ Credit Card FAQs

Can I use FIRST Power+ on UPI?

Yes. The official page says UPI on credit card is available on FIRST Power and FIRST Power+, and only RuPay powered IDFC FIRST cards can be linked on UPI.

What is the annual fee waiver for Power+?

The ₹499 plus GST annual fee is waived on spending ₹1,50,000 or more in the previous year, as stated on the official HPCL card page.