Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#121 of 173 in credit

IDFC First Bank

IDFC First Power+ Credit Card

creditRupayco-brandedProvisional score

HPCL co-branded asset distributing thick cashbacks and fuel charge waivers.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value10/100 · weight 65%

≈ 0.50% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency96/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹499 + 18% GST
= ₹589 total
Annual fee: ₹499 + 18% GST
= ₹589 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
fuel	points	7.50%(30 pts @ ₹0.25)	₹1,000 / monthly	Up to 5% savings consisting of HPCL fuel point earnings and surcharge limits
utilities	points	0.75%(3 pts @ ₹0.25)	—	5% rewards back on FASTag recharges and utility bills