IDFC FIRST Bank

RuPay

FIRST Power+

IDFC FIRST Bank FIRST Power+

An HPCL co-branded RuPay fuel card offering accelerated rewards on fuel, groceries, utilities and FASTag, plus quarterly domestic lounge access, for a ₹499 annual fee waivable on ₹1.5 lakh annual spend.

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Last reviewed 20 July 2026

Fees

Joining fee

₹499

Annual fee

₹499

Waiver: Annual fee waived if you spend ₹1,50,000 or more in the preceding cardmember year

Eligibility

Age: 21+ yrs

Employment: salaried, self employed, business owner

Rewards

fuel20x points(cap 2,400 points/1mo)

groceries20x points(cap 400 points/1mo)

all other2x points

Welcome benefits

• ₹500 gift voucher on your first HPCL fuel transaction of ₹500 or more, within 30 days of card issuance
• Up to 5% cashback (capped at ₹1,000) on the transaction value of your first EMI conversion

Perks

✓Domestic lounge access: 4/yr1 complimentary domestic airport lounge visit per calendar quarter, subject to a minimum spend in the preceding calendar month. Most sources (CardInsider, CardMaven, PaisaBazaar) cite a ₹20,000 monthly-spend threshold; one source (BankBazaar) cites a much lower ₹5,000 threshold. This record uses the majority-sourced ₹20,000 figure but the discrepancy is unresolved against an official T&C document.
✓Forex markup: 3.5%
✓Personal accident cover: ₹2,00,000
✓Lost card liability cover: ₹25,000
✓Fuel surcharge waiver status is disputed across sources: several aggregators describe an active 1% waiver, but CardInsider's dedicated review of this exact card states 'Fuel Surcharge Waiver: N/A', and Finology Select separately lists it as discontinued — no waiver is asserted here pending a readable official T&C to resolve the conflict
✓Complimentary roadside assistance worth ₹1,399, up to 4 times a year
✓Additional 1.5% Payback rewards on HPCL fuel paid via the HP Pay app, capped at ₹5,000 spend/month — a separate, channel-specific bonus on top of base card rewards, and part of the bank's marketed 'up to 6.5% total value back on fuel' figure
✓IDFC FIRST FASTag recharges also earn the accelerated 30X/5% rate, separately capped at roughly ₹1,000 spend/month (~200 reward points) — not broken out as its own rewardStructure category since the schema has no FASTag bucket
✓1 reward point = ₹0.25 on redemption; redemption carries a ₹99 + GST fee per request
✓Cannot be held alongside an existing IDFC FIRST Bank credit card, per BankBazaar
✓Sources disagree on the HPCL fuel reward rate: most (CardInsider, CardMaven, PaisaBazaar, Great.cards) cite a uniform 30X (5%) rate across HPCL fuel, grocery/utility payments and FASTag; BankBazaar alone cites a lower 24X (4%) specifically for fuel while agreeing on 30X for grocery/utility. This record uses the majority-sourced 30X/5% fuel figure
✓IDFC FIRST also sells a separate, lower-tier 'FIRST Power' card (₹199 + GST joining/annual fee, ~5% fuel value back, no lounge access) on the same RuPay Select network — this is a distinct product from FIRST Power+, not the same card under a different name

Common questions

What is the annual fee on the IDFC FIRST Bank FIRST Power+?: The joining fee is ₹499. The annual fee is ₹499. Annual fee waived if you spend ₹1,50,000 or more in the preceding cardmember year
What are the reward rates on the IDFC FIRST Bank FIRST Power+?: IDFC FIRST Bank FIRST Power+ earns 20x points on fuel, 20x points on groceries, 2x points on all other spends.
Does the IDFC FIRST Bank FIRST Power+ offer airport lounge access?: Yes: 4 domestic lounge visits per year (1 complimentary domestic airport lounge visit per calendar quarter, subject to a minimum spend in the preceding calendar month. Most sources (CardInsider, CardMaven, PaisaBazaar) cite a ₹20,000 monthly-spend threshold; one source (BankBazaar) cites a much lower ₹5,000 threshold. This record uses the majority-sourced ₹20,000 figure but the discrepancy is unresolved against an official T&C document.).
Who is eligible for the IDFC FIRST Bank FIRST Power+?: Applicants typically need a minimum annual income of ₹3,00,000, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by IDFC FIRST Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Fuel

₹

20x points· cap 2,400 points/1mo

Groceries

₹

20x points· cap 400 points/1mo

Everything else

₹

2x points

Estimated annual value—

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Annual fee

₹7,999

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5x points

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Rewards

fuel20x points(cap 2,400 points/1mo)

groceries20x points(cap 400 points/1mo)

all other2x points

Welcome benefits

• ₹500 gift voucher on your first HPCL fuel transaction of ₹500 or more, within 30 days of card issuance
• Up to 5% cashback (capped at ₹1,000) on the transaction value of your first EMI conversion

Perks

✓Domestic lounge access: 4/yr1 complimentary domestic airport lounge visit per calendar quarter, subject to a minimum spend in the preceding calendar month. Most sources (CardInsider, CardMaven, PaisaBazaar) cite a ₹20,000 monthly-spend threshold; one source (BankBazaar) cites a much lower ₹5,000 threshold. This record uses the majority-sourced ₹20,000 figure but the discrepancy is unresolved against an official T&C document.

✓Forex markup: 3.5%

✓Personal accident cover: ₹2,00,000

✓Lost card liability cover: ₹25,000

✓Fuel surcharge waiver status is disputed across sources: several aggregators describe an active 1% waiver, but CardInsider's dedicated review of this exact card states 'Fuel Surcharge Waiver: N/A', and Finology Select separately lists it as discontinued — no waiver is asserted here pending a readable official T&C to resolve the conflict

✓Complimentary roadside assistance worth ₹1,399, up to 4 times a year

✓Additional 1.5% Payback rewards on HPCL fuel paid via the HP Pay app, capped at ₹5,000 spend/month — a separate, channel-specific bonus on top of base card rewards, and part of the bank's marketed 'up to 6.5% total value back on fuel' figure

✓IDFC FIRST FASTag recharges also earn the accelerated 30X/5% rate, separately capped at roughly ₹1,000 spend/month (~200 reward points) — not broken out as its own rewardStructure category since the schema has no FASTag bucket

✓1 reward point = ₹0.25 on redemption; redemption carries a ₹99 + GST fee per request

✓Cannot be held alongside an existing IDFC FIRST Bank credit card, per BankBazaar

✓Sources disagree on the HPCL fuel reward rate: most (CardInsider, CardMaven, PaisaBazaar, Great.cards) cite a uniform 30X (5%) rate across HPCL fuel, grocery/utility payments and FASTag; BankBazaar alone cites a lower 24X (4%) specifically for fuel while agreeing on 30X for grocery/utility. This record uses the majority-sourced 30X/5% fuel figure

✓IDFC FIRST also sells a separate, lower-tier 'FIRST Power' card (₹199 + GST joining/annual fee, ~5% fuel value back, no lounge access) on the same RuPay Select network — this is a distinct product from FIRST Power+, not the same card under a different name

Common questions

What is the annual fee on the IDFC FIRST Bank FIRST Power+?

The joining fee is ₹499. The annual fee is ₹499. Annual fee waived if you spend ₹1,50,000 or more in the preceding cardmember year

What are the reward rates on the IDFC FIRST Bank FIRST Power+?

IDFC FIRST Bank FIRST Power+ earns 20x points on fuel, 20x points on groceries, 2x points on all other spends.

Does the IDFC FIRST Bank FIRST Power+ offer airport lounge access?

Yes: 4 domestic lounge visits per year (1 complimentary domestic airport lounge visit per calendar quarter, subject to a minimum spend in the preceding calendar month. Most sources (CardInsider, CardMaven, PaisaBazaar) cite a ₹20,000 monthly-spend threshold; one source (BankBazaar) cites a much lower ₹5,000 threshold. This record uses the majority-sourced ₹20,000 figure but the discrepancy is unresolved against an official T&C document.).

Who is eligible for the IDFC FIRST Bank FIRST Power+?

Applicants typically need a minimum annual income of ₹3,00,000, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by IDFC FIRST Bank and can vary by application.

IDFC FIRST Bank FIRST Power+

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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