IDFC

IDFC FIRST Power Plus Credit Card

Apply for IDFC FIRST Power Plus Credit Card. Earn 6.5% on HPCL fuel, 5% on FASTag recharges, 3X rewards on UPI & 1 lounge visit/quarter. Best for HPCL fuel users.

FuelGrocery ShoppingUtility Bills
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Issued by

IDFC

IDFC FIRST Power Plus Credit Card image
Joining Fee₹499
Annual Fee₹499
Income₹25000
Credit Score750

Key Highlights

Fuel

Earn 5% Rewards on HPCL Fuel

through 30X Reward Points on fuel spends at authorised HPCL fuel stations

5% rewards on FASTag recharges

when you recharge your IDFC FIRST FASTag through the IDFC FIRST Bank Mobile App or FIRST Forward App

Up to 30X Reward Points on HPCL Fuel

on spends up to ₹12,000 per statement cycle, helping you earn up to 2,400 reward points every month on fuel purchases

Fuel

Earn Up to 30X Reward Points on HPCL Fuel

on spends up to ₹12,000 per statement cycle, helping you earn up to 2,400 reward points every month on fuel purchases

Grocery Shopping

30X Reward Points on Groceries

when you spend on eligible grocery merchants, up to ₹2,000 per statement cycle

Extra 1.5% savings via HP Pay App

when you pay for HPCL fuel using HP Pay App through wallet upload or Pay-by-QR

Utility Bills

Earn 30X Reward Points

on eligible electricity, water, gas, and other utility bill payments

5% EMI Cashback up to ₹1,000

on your first EMI transaction of ₹2,500 or more with a tenure of 6 months or above within 30 days of card setup

Eligibility

Age Criteria21-65

Applicants must be between 21 and 65 years at the time of application.

Credit Score750

A CRIF score of 750 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the IDFC First Power Plus Credit Card, as per bank eligibility.

Self-employed Income₹4 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the IDFC First Power Plus Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹499

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetJoining fee is offset through ₹500 cashback on the first fuel transaction at an HPCL fuel station.
Annual Fee₹499

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.
Estimated Annual Saving₹9084

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • IDFC FIRST Bank Mobile App
  • Travel & Shop
  • Flight and hotel booking
Earning Exclusions Insurance Premium Payments, EMI Transactions, ATM Cash Withdrawals, Utility Spends, Grocery Spends,IDFC FIRST FASTag Recharges, Fuel Spends Expect HPCL Fuel
Spend Exclusions Insurance Premium Payments, EMI Transactions, ATM Cash Withdrawals, Utility Spends, Grocery Spends,IDFC FIRST FASTag Recharges, Fuel Spends Expect HPCL Fuel

Benefits

All Benefits

  • Grocery and utility spends capped at ₹2,000 per statement cycle (maximum 400 Reward Points)
  • 5% savings as Reward Points on IDFC FIRST FASTag recharges done via IDFC FIRST Bank Mobile Banking App or FIRST Forward App
  • FASTag recharge reward structure: 30 Reward Points per ₹150, capped at ₹1,000 per statement cycle (maximum 200 Reward Points)
  • 3X Rewards on UPI spends and other eligible retail transactions
  • 3 Reward Points per ₹150 on eligible UPI/other retail spends (1 Reward Point = ₹0.25)

Welcome Benefits

  • ₹500 welcome gift voucher on first HPCL fuel transaction of ₹500 or above at authorised HPCL fuel stations for cards set up on/after 10 Jun 2025
  • Voucher transaction must be completed within 60 days of card set-up
  • 5% cashback up to ₹1,000 on the first EMI conversion

Flight Benefits

  • Low Forex Markup Fee just 1.99% on international transactions, including those conducted in Indian rupees abroad
  • Up to 8.83% savings on hotel and flight bookings through the IDFC FIRST Mobile App

Airport Lounge Benefits

  • 1 complimentary domestic airport lounge visit per quarter
  • Applicable on minimum monthly spends of ₹20,000

Movie Benefits

  • 25% off on movie tickets up to ₹100, once every month

Fuel Benefits

  • Up to 6.5% savings on HPCL fuel spends using FIRST Power+ Credit Card
  • 5% savings as Reward Points on HPCL fuel spends at authorised HPCL fuel stations
  • Additional 1.5% savings as Happy Coins on fuel payments through HP Pay App
  • Reward structure: 30 Reward Points per ₹150 on HPCL fuel spends (1 Reward Point = ₹0.25)
  • Happy Coins: 6 Happy Coins per ₹100 fuel spend through HP Pay App (1 Happy Coin = ₹0.25)
  • Reward Points capped at ₹12,000 spends per statement cycle (maximum 2,400 Reward Points)
  • Happy Coins capped at ₹10,000 spends per statement cycle/month (maximum 600 Happy Coins)

Insurance Benefits

  • Personal Accident Cover of ₹2,00,000
  • Lost Card Liability Cover of ₹25,000

Bank Offers

  • • Exciting merchant offers worth ₹1,000+ available via the IDFC FIRST rewards redemption platform

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
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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