IDFC First Bank
IDFC FIRST Power Credit Card
Data last verified: 27 October 2026
- Joining fee₹199 + GST
- Annual fee₹199 + GST
- Reward rate0.33% base, up to 2.5% on utility bills; 3.5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹199 + GST
- Annual fee₹199 + GST
- Fee waiverOn ₹50,000 spend a year
- Forex markup0%
The Power card is built around HPCL. Fuel at HPCL pumps earns up to 3.5% back (capped each month), utility bill payments earn 2.5%, and other spends earn a small base rate. It runs on RuPay, so it also works on UPI.
The fee is ₹199 a year, waived when you spend ₹50,000 in the year, and there is no markup on foreign spends.
It suits someone who fills up at HPCL and pays bills by card. Outside fuel and bills the reward rate is low, so it works best as a second card.
Best for: People who fill up at HPCL, Paying utility bills by card, A low-fee second card.
01IDFC FIRST Power Credit Card Rewards and Benefits
02IDFC FIRST Power Credit Card Annual Fee and Charges
- Joining fee
- ₹199 + GST
- Annual fee
- ₹199 + GST
- Spend-based waiver
- Annual fee waived on ₹50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 0%
- Interest rate
- Not published
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on bills and recharges, earning 2.5%₹125
- ₹15,000 on everything else, earning 0.33%₹50
- Back each month, ₹2,100 a year₹175
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,100
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Fuel only at Hindustan Petroleum: 3.5% back, up to ₹175 a month
- Utility bills: 2.5% back, up to ₹1,000 a month
- Spending ₹4,167 or more a month: the ₹235 fee is waived
- Spending abroad: 0% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹235 fee is then charged
- most of your spending is insurance or foreign spends: those earn nothing on this card
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Hindustan Petroleum: the 3.5% rate applies only there, everything else earns 0.33%
04Product Details
- Up to 3.5% back on HPCL fuel (capped monthly)
- 2.5% back on utility bills (capped monthly)
- 0% forex markup
- RuPay: works on UPI
- Fee waived on ₹50,000 a year
05Pros and Cons
Pros
- Strong return on HPCL fuel
- Low annual fee, easy to waive
- 0% forex markup
Cons
- Monthly caps on the fuel and bill rewards
- Low base rate on other spends
06How IDFC FIRST Power Credit Card earns Rewards
0.33% base, up to 2.5% on utility bills; 3.5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.33% | No cap | The card's normal rate |
| Online shopping | 0.33% | No cap | The card's normal rate |
| Dining and food delivery | 0.33% | No cap | The card's normal rate |
| Groceries | 0.33% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.33% | No cap | The card's normal rate |
| Fuel | 0.33% | No cap | Anywhere else in the category |
| Fuel, only at listed merchants | 3.5% | ₹175 | Only at: Hindustan Petroleum (HPCL)Terms: 21X (~3.5%) on HPCL fuel, capped at 700 RP (₹175) a statement cycle; non-HPCL fuel earns nothing. HPCL's HP Pay app pays a separate ~1.5% in Happy Coins (600 coins a month on ₹10,000), HPCL's currency, not modelled here |
| Bills and recharges | 2.5% | ₹1,000 | All merchants in the categoryTerms: 15X (~2.5%) on grocery, utility bills and FASTag recharges; the ₹1,000/cycle cap is an unverified issuer cap, bounds the row pending the Product Usage Guide |
| Rent | 0.33% | No cap | The card's normal rate |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | 0.33% | No cap | The card's normal rate |
| Wallet top-ups | 0.33% | No cap | The card's normal rate |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | Earns nothing | - | earns nothing on this card |
| Everything else | 0.33% | No cap | The card's normal rate |
Terms on the base rate. 2X (~0.33%) on UPI and all other retail spends
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07IDFC FIRST Power Credit Card Travel Benefits
Spending abroad carries a 0% forex markup; rewards on it: earns nothing. See what it costs on your trip
Also on the card. concierge service, insurance cover.
- Concierge service: Complimentary roadside assistance programme worth ₹1,399
- Insurance cover: Personal accident cover of ₹2,00,000 and lost-card liability cover of ₹25,000
08IDFC FIRST Power Credit Card Eligibility and Documents
- Age
- 21 years and above
- Minimum monthly income
- ₹25,000
09Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 26 Oct 2026 | Reduced: International spends stop earning reward pointsSource: IDFC First Bank | Reward points on international spends at the card's own rate | No reward points on international spends |
| 15 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 9 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 18 Jan 2026 | Changed: Bonus reward points on travel booked in the IDFC FIRST appSource: IDFC First Bank | No app-booking bonus | 50X bonus on hotels, 30X bonus on flights |
| 18 Jan 2026 | Reduced: Fair-usage fees on heavy FASTag and railway spendsSource: IDFC First Bank | No FASTag or railway spend fee | 1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle |
See all 7 changes on this card → · All card changes in October 2026 →
10Cards Similar to IDFC FIRST Power Credit Card
IDFC FIRST Power Credit Card is a fuel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IDFC FIRST Power Credit Card |  SBI BPCL Credit Card |  SBI BPCL Octane Credit Card |
|---|---|---|---|
| Joining fee | ₹199 + GST | ₹499 + GST | ₹1,499 + GST |
| Annual fee | ₹199 + GST | ₹499 + GST | ₹1,499 + GST |
| Rewards | 0.33% base, up to 2.5% on utility bills; 3.5% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | 0.25% base, up to 2.5% on dining; 6.25% only at partner merchants |
| Domestic lounge | Not included | Not included | 4 visits a year |
| Forex markup | 0% | 3.5% | 3.5% |
| Type | Fuel | Fuel | Fuel |
11Explore More
Card facts last verified 27 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IDFC FIRST Power Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the IDFC FIRST Power card fee?
₹199 a year, waived when you spend ₹50,000 in a year.
How much does it earn on fuel?
Up to 3.5% back at HPCL pumps, with a monthly cap.
Does it charge a forex markup?
No, the markup on foreign spends is zero.
What is the joining fee for the IDFC FIRST Power Credit Card?
The joining fee is ₹199 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IDFC FIRST Power Credit Card?
The annual fee is ₹199 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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