IDFC FIRST Bank

IDFC FIRST Bank HPCL FIRST Power Credit Card

HPCL fuel earns 3.5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries and utilities 2.5%, FASTag recharge 2.5%, other spends about 0.33%; each category is capped per statement cycle.

₹199 joining, ₹199 a year
Works on UPI (RuPay)

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Good

3.5% on fuel, where no free card we compare earns anything
Fee pays for itself from about ₹500 a month of fuel
Annual fee waived at ₹50,000 of spend a year
Works on UPI and earns 0.33% there

Watch out for

Tight cap: rewards on groceries and bills stop after about ₹4,000 of spend a month
Low base rate: 0.33% on everyday spends

Who it's for: People who spend about ₹500 or more a month on fuel.
Skip it if: You spend under ₹500 a month on fuel.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 0.33% (base rate)
Fuel: 3.5%
Groceries: 2.5%
UPI: 0.33%
Bills and utilities: 2.5%
Dining and food delivery: 0.33%

Fees and charges

Joining fee: ₹199
Annual fee: ₹199
Fee waiver: Annual fee reversed on spends of ₹50,000 or more in the previous anniversary year; joining fee must be paid (plus GST) before card dispatch
Forex markup: 0%
Fuel surcharge waiver: No surcharge waiver; HPCL fuel earns accelerated reward points instead

Benefits and eligibility

Airport lounge: Not published by the bank
Card network: Not published by the bank
UPI payments: Yes, as a RuPay credit card
Minimum income (salaried): ₹25,000 a month
Eligibility: Indian citizen, age 21 or above, annual income ₹3 lakh or more (about ₹25,000/month), healthy credit score. Issuance at the bank's sole discretion. Existing IDFC FIRST cardholders can apply only for Power+, not Power.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

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CreditParakh is not a bank or lender. Approval, limits and final terms are decided by IDFC FIRST Bank.

What changed recently

From 26 Oct 2026UpcomingRewardsWorse for you
International spends will no longer earn reward points.
Before: Points at the standard rate (about 0.33% back) on international spends · After: No points on international spends
Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.
Bank's notice or terms
9 Sept 2026FeesBetter for you
No forex markup on international transactions.
After: 0% forex markup
The notice covers all IDFC FIRST cards ('savings of up to 3.5%') and doesn't state this card's earlier markup.
Bank's notice or terms
18 Jun 2026Reward capsWorse for you
Points are earned only on spends up to the credit limit in each billing cycle.
After: Points capped at spends up to the credit limit per cycle
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the IDFC FIRST Bank HPCL FIRST Power Credit Card worth it in 2026?

Yes, if you spend about ₹500 or more a month on fuel. Below that, no free card we compare earns anything on fuel. The catch: tight cap: rewards on groceries and bills stop after about ₹4,000 of spend a month.

Is the IDFC FIRST Bank HPCL FIRST Power Credit Card lifetime free?

No. It costs ₹199 to join and ₹199 a year, plus GST. Annual fee reversed on spends of ₹50,000 or more in the previous anniversary year; joining fee must be paid (plus GST) before card dispatch.

Does the IDFC FIRST Bank HPCL FIRST Power Credit Card work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 0.33% on UPI spends.

Does the IDFC FIRST Bank HPCL FIRST Power Credit Card give airport lounge access?

No complimentary airport lounge access.

What earns no rewards on the IDFC FIRST Bank HPCL FIRST Power Credit Card?

No points on insurance premiums, fuel at non-HPCL pumps, EMI transactions or ATM cash withdrawals, and none on international spends from 26 October 2026. HPCL fuel rewards apply only at HPCL-authorised merchant IDs. Other retail spends and UPI spends (2 points per ₹150) have no cap.

Is there a limit on rewards with the IDFC FIRST Bank HPCL FIRST Power Credit Card?

HPCL fuel earns 21 points per ₹150 on up to ₹5,000 of HPCL fuel spend per statement cycle (max 700 points = ₹175). The separate HP Pay Happy Coins (1.5%, max 600 coins = ₹150 a month on ₹10,000) come on top and aren't included in the rates we show. Grocery and utility spends combined earn 15 points per ₹150 on up to ₹4,000 per statement cycle (max 400 points = ₹100). IDFC FIRST FASTag recharges (via the bank's app) earn 15 points per ₹150 on up to ₹2,000 per statement cycle (max 200 points = ₹50). This is separate from the grocery-and-utility cap.

Who can get the IDFC FIRST Bank HPCL FIRST Power Credit Card?

The bank publishes a minimum income of ₹25,000 a month for salaried applicants. Indian citizen, age 21 or above, annual income ₹3 lakh or more (about ₹25,000/month), healthy credit score. Issuance at the bank's sole discretion. Existing IDFC FIRST cardholders can apply only for Power+, not Power. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read IDFC FIRST Bank's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 18 Oct 2026 on IDFC FIRST Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

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