CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
IDFC First Bank

IDFC First Power+ Credit Card

26
Ranked #124 of 170 in credit
creditRuPayEntry-level fuel co-brand

IDFC FIRST higher-tier HPCL co-brand (above base "Power" card) offering ~6.5% total fuel value-back plus accelerated grocery/utility/FASTag rewards and domestic lounge access, positioned as a strong budget fuel-plus-household card.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value7/100 · weight 71%
≈ 0.36% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.8% score bonus — earns broadly without narrow category restrictions.
Fee efficiency96/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks38/100 · weight 9%

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
Waiver: Waived on Rs 1.5 lakh annual spend in previous year
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
groceries_offlinepoints1.25%(5 pts @ ₹0.25)₹500 / monthly30X points per Rs 150 on grocery/utility, capped Rs 2,000/cycle eligible spend
fuelpoints1.25%(5 pts @ ₹0.25)₹500 / monthly30X points per Rs 150 at HPCL fuel = 5% actual (plus separate surcharge waiver for ~6.5% total); capped ~Rs 12,000/cycle eligible spend
utilitiespoints0.75%(3 pts @ ₹0.25)—5% rewards back on FASTag recharges and utility bills
all_spendspoints0.13%(0.5 pts @ ₹0.25)—3X points per Rs 150 on other UPI and retail spends

Welcome offer

Rs 500 gift voucher (cashback for cards set up before 10 Jun 2025) on first HPCL fuel transaction of Rs 500+ within 30-60 days (sources vary on exact days); 5% cashback up to Rs 1,000 on first EMI conversion within 30 days

Milestone benefits

Pros

  • Strong 6.5% total value-back at HPCL pumps (rewards + surcharge waiver combined), unusually broad accelerated categories for a fuel card (grocery, utility, FASTag all at elevated rates), never-expiring reward points (unlike several sibling IDFC cards which recently moved to 24-month expiry — worth double-checking if Power+ also changed), decent Rs 500+ welcome value, low fee with easy waiver

Cons

  • Spend caps are tight and category-specific (Rs 12,000/cycle HPCL fuel, Rs 10,000/cycle HP Pay App, Rs 2,000/cycle grocery/utilities, Rs 1,000/cycle FASTag — easy to exceed and stop earning), lounge access still spend-gated despite the fee, no international lounge, low Rs 0.25/point redemption value, rewards limited to HPCL-branded fuel only (not universal)

What's inside

More benefits

  • Movie discount

    ₹100

    25% off (up to Rs 100) movie tickets, once/month

    Cap ₹1,200 / monthly. At least 1 transaction in previous month

  • Roadside assistance

    ₹1,399

    Complimentary roadside assistance worth Rs 1,399, up to 4x/year

    Cap ₹5,596 / quarterly.

  • Personal accident insurance

    ₹2,00,000

    Rs 2 lakh personal accident cover

    yearly.

Insurance cover

text
₹NaN

Eligibility

text
Age 21+, stable income (specific minimum not consistently stated, likely similar Rs 3 lakh/year to sibling cards)

Small print

Fuel surcharge:1% fuel surcharge waiver (specific cap not detailed for Power+ specifically in sources reviewed)