IDFC FIRST Power Credit Card Review (2026)

Quick verdict: The IDFC FIRST Power Credit Card is best for low-fee fuel (hpcl). It earns Up to 5% on HPCL fuel, with an annual fee of Rs 199 (waiver on Rs 50,000 spend). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The IDFC FIRST Power is a budget fuel card built around HPCL fuel savings, with one of the lowest fees in the category at Rs 199 and a low Rs 50,000 waiver bar.

It spreads rewards across fuel, groceries, utilities and even UPI, and its reward points never expire — a friendly touch for occasional users.

Fees & Charges

Rewards & Benefits

• Up to 5% savings on HPCL fuel spends.
• Up to 2.5% on groceries and utility bills.
• 2 reward points per Rs 150 on other spends, uncapped, with points that never expire.
• Rewards extend to FASTag recharges and UPI spends on the RuPay variant.
• Complimentary roadside assistance (up to 4 times a year) and a Rs 250 welcome voucher.

Pros & Cons

Who Should Get This Card?

• Drivers who refuel mainly at HPCL pumps
• Budget users wanting a cheap fuel card
• People who want fuel plus grocery and UPI rewards

Frequently Asked Questions

How to Get the Most from the IDFC FIRST Power Credit Card

• Use it where it is strongest — low-fee fuel (hpcl) — where it earns Up to 5% on HPCL fuel; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Rs 199 (waiver on Rs 50,000 spend)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on IDFC FIRST Bank and the card variant, but for the IDFC FIRST Power Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing IDFC FIRST Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns Up to 5% on HPCL fuel. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

• IndianOil HDFC Bank Credit Card — Fuel savings
• BPCL SBI Card Octane — Fuel savings (BPCL)
• ICICI Bank HPCL Super Saver Credit Card — Fuel (HPCL) + essentials
• IndianOil RBL Bank XTRA Credit Card — High fuel savings (IndianOil)
• IDFC FIRST Select Credit Card — Lifetime-free all-rounder