IDFC

IDFC FIRST POWER Credit Card

Apply for IDFC First Power Credit Card for 6.5% savings at HPCL, 5% on groceries & utilities, 3X on all spends & lounge access. Best for fuel users.

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Issued by

IDFC

IDFC FIRST POWER Credit Card image
Joining Fee₹199
Annual Fee₹199
Income₹25000
Credit Score720

Key Highlights

Get Fuel Welcome Cashback on the first HPCL fuel

transaction of ₹250 or more within 30 days of card setup as ₹250 cashback

Fuel

3.5% Savings on HPCL Fuel Spends

get 21 reward points per ₹150 spent on HPCL fuel transactions, capped at 700 reward points per statement cycle

Grocery Shopping

Earn 2.5% Back on grocery spends

as 15 reward points per ₹150, capped at ₹4,000 per statement cycle with a maximum of 400 reward points

Travel

Up to 8.67% Savings on Travel Bookings

earn 52 reward points per ₹150 spent on hotels and 32 reward points per ₹150 spent on flights via the Travel & Shop section on the IDFC FIRST Mobile App

Utility Bills

Earn 2.5% Back on Utility Bill Payments

as 15 reward points per ₹150, capped at ₹4,000 per statement cycle with a maximum of 400 reward points

Fuel

1.5% Savings via HP Pay App

earn 6 Happy Coins per ₹100 spent on fuel through the HP Pay App, capped at 600 Happy Coins per month

5% Cashback on First EMI Conversion

get 5% cashback up to ₹1,000 on converting the first transaction to EMI

3.5% savings on fuel spends

receive 1 rewards points per Rs.150 spent on HPCL fuel, up to 700 rewards in a statement cycle

Shopping

2 Reward Points on All Other Eligible Spends

earn 2 reward points per ₹150 spent on all other transactions without any reward capping

Eligibility

Age Criteria21-60
Credit Score720

A good credit score 720+ is recommended for approval.

Salaried Income₹3 LPA

Minimum income requirement of ₹25,000 per month.

Self-employed Income₹3 LPA

Minimum (ITR) of ₹ 3 Lakhs per annum

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹199

Fee is ₹199 + GST. Waived off on reaching ₹50,000 spends in a year. One-time joining fee required for card activation.

Joining Fee OffsetReversed on spending ₹50,000 in the anniversary year.
Annual Fee₹199

Annual fee applicable from 2nd year onward. Waived if annual spends cross ₹50,000.

Annual Fee WaiverThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
Estimated Annual Saving₹7658

Rewards & Redemption

Reward Conversion1 reward point = ₹0.25
Redemption Options
  • Flights & hotels Booking
  • Gift vouchers
  • Offline merchants
Earning ExclusionsInsurance premium payments, fuel spends, EMI transactions, ATM cash withdrawals, utility spends, grocery spends and IDFC FIRST FASTag recharges.
Spend ExclusionsATM withdrawals, Insurance, EMI, Balance Transfer, Fees & Charges, Reversals/Refunds

Benefits

All Benefits

  • 3.5% savings on fuel spends: 21 rewards points per Rs. 150 spent on HPCL fuel, up to 700 rewards in a statement cycle
  • 1.5% savings through HP Pay App: 6 Happy Coins per Rs. 100 on fuel spends through HP Pay App, up to 600 Happy Coins per month
  • 2.5% savings On Grocery & Utility Spends: 15 reward points per ₹150 spent, up to 400 rewards per statement cycle
  • 2.5% savings on IDFC FIRST FASTag Recharge:  via HPCL Power card as 15 reward points per ₹150 spent, up to 200 rewards per statement cycle
  • Up to 8.67% savings on travel spends: 52 reward points per ₹150 spent on hotels and 32 points per ₹150 spent on flights through Travel & Shop section on IDFC FIRST Mobile App


 

Welcome Benefits

  • Welcome benefits worth ₹2,250+
  • ₹250 fuel voucher/cashback on first HPCL transaction
  • 5% cashback up to ₹1,000 on first EMI transaction
  • Merchant offers worth ₹1,000+
  • Valid within 30–60 days of card setup

Flight Benefits

  • Up to 8.67% savings on flight & hotel bookings via IDFC FIRST Mobile App
  • Earn 30 Reward Points per ₹150 on flight bookings
  • Reward Points redemption: 1 point = ₹0.25
  • Up to 70% of booking value can be paid using points
  • Monthly bonus reward cap: 8,000 points

Fuel Benefits

  • 3.5% savings on fuel spends i.e 21 rewards points per Rs.150 spent on HPCL fuel, up to 700 rewards in a statement cycle
  • 1.5% savings through HP Pay App i.e 6 Happy Coins per Rs.100 on fuel spends through HP Pay App, up to 600 Happy Coins per month

Insurance Benefits

  • Complimentary roadside assistance worth Rs. 1,399 up to 4 times in a year
  • Personal Accident cover worth Rs. 2 lakh and lost card liability cover worth Rs. 25,000

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.

FAQ

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