IDFC FIRST Bank

RuPay

FIRST Power

IDFC FIRST Bank FIRST Power

Entry-level ₹199 RuPay HPCL fuel card offering up to 5% combined cashback (3.5% card + 1.5% HP Pay bonus), UPI-linkable, no lounge access.

fuelrupay-upifees-freefirst-timers

Last reviewed 20 July 2026

Fees

Joining fee

₹199

Annual fee

₹199

Waiver: Annual/renewal fee waived if card spends in the preceding year total ₹50,000 or more

Eligibility

Min. monthly income: ₹25,000

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

fuel3.5% cashback(cap ₹175 cashback/1mo)

groceries2.5% cashback(cap ₹100 cashback/1mo)

fastag2.5% cashback(cap ₹50 cashback/1mo)

all other0.33% cashback

Welcome benefits

• ₹250 gift voucher/cashback on the first HPCL fuel transaction of ₹250 or more (reported redemption window varies by source: 30 days per most aggregators, 60 days per one)
• Up to 5% cashback, capped at ₹1,000, on the first EMI conversion (₹2,500+, per one source)

Perks

✓Fuel surcharge waiver: 1%Applies on fuel transactions between ₹200–₹5,000. Sources disagree on the aggregate monthly/statement-cycle cap: cardinsider.com states ₹100/month, cardnitty.com states ₹200/statement cycle — not resolved against an official IDFC FIRST T&C, so no cap figure is asserted here.
✓Forex markup: 3.5%
✓Personal accident cover: ₹2,00,000
✓Lost card liability cover: ₹25,000
✓Additional 1.5% ('Happy Coins') rewards on HPCL fuel/LPG paid via the HP Pay app, on top of the 3.5% card-swipe rate — up to ₹150/month bonus on ₹10,000 of qualifying monthly spend, combining with the fuel rate above to reach the issuer's advertised 'up to 5%' fuel savings figure
✓2.5% rewards on grocery and utility-bill spends, capped at roughly ₹100/month bonus value (~₹4,000 of qualifying monthly spend)
✓The 2.5% FASTag rate applies specifically to IDFC FIRST FASTag recharges done via the IDFC FIRST mobile app (~₹2,000 of qualifying monthly spend to reach the ₹50/month cap)
✓Complimentary roadside assistance worth ₹1,399/year, usable up to 4 times annually (towing, battery jump-start, tyre change, fuel delivery, key arrangement) via Global Assure
✓₹150 discount on Swiggy orders above ₹500, reported as a promotional tie-up; exact validity period not confirmed on an official page
✓No airport lounge access and no movie-ticket discount on this base tier — both are reserved for the pricier IDFC FIRST HPCL Power+ card, which is a separate, higher-fee product (₹499 joining/annual, waived at ₹1,50,000 annual spend) with richer fuel/grocery rates and quarterly domestic lounge access; do not confuse the two
✓Reward points never expire, per issuer marketing
✓1 Reward Point / Happy Coin = ₹0.25 redemption value; a minimum ₹150 transaction is generally required to earn points
✓Card supports RuPay-on-UPI: it can be linked to UPI apps for QR/UPI payments, which earn the base ~0.33% (2 points per ₹150) rate — the same rate as other uncategorised retail spend

Common questions

What is the annual fee on the IDFC FIRST Bank FIRST Power?: The joining fee is ₹199. The annual fee is ₹199. Annual/renewal fee waived if card spends in the preceding year total ₹50,000 or more
What are the reward rates on the IDFC FIRST Bank FIRST Power?: IDFC FIRST Bank FIRST Power earns 3.5% cashback on fuel, 2.5% cashback on groceries, 2.5% cashback on fastag, 0.33% cashback on all other spends.
Does the IDFC FIRST Bank FIRST Power offer airport lounge access?: No, the IDFC FIRST Bank FIRST Power does not include complimentary airport lounge access.
Who is eligible for the IDFC FIRST Bank FIRST Power?: Applicants typically need a minimum age of 21, and must be salaried or self employed. Salaried applicants typically need a minimum monthly income of ₹25,000; self-employed applicants are typically assessed on a minimum annual income of ₹3,00,000 instead. 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.

FuelBest rate

₹

3.5% cashback· cap ₹175 cashback/1mo

Groceries

₹

2.5% cashback· cap ₹100 cashback/1mo

fastag

₹

2.5% cashback· cap ₹50 cashback/1mo

Everything else

₹

0.33% cashback

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹495

Up to

20x points

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Annual fee

₹0

Up to

10x points

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Rewards

fuel3.5% cashback(cap ₹175 cashback/1mo)

groceries2.5% cashback(cap ₹100 cashback/1mo)

fastag2.5% cashback(cap ₹50 cashback/1mo)

all other0.33% cashback

Welcome benefits

• ₹250 gift voucher/cashback on the first HPCL fuel transaction of ₹250 or more (reported redemption window varies by source: 30 days per most aggregators, 60 days per one)
• Up to 5% cashback, capped at ₹1,000, on the first EMI conversion (₹2,500+, per one source)

Perks

✓Fuel surcharge waiver: 1%Applies on fuel transactions between ₹200–₹5,000. Sources disagree on the aggregate monthly/statement-cycle cap: cardinsider.com states ₹100/month, cardnitty.com states ₹200/statement cycle — not resolved against an official IDFC FIRST T&C, so no cap figure is asserted here.

✓Forex markup: 3.5%

✓Personal accident cover: ₹2,00,000

✓Lost card liability cover: ₹25,000

✓Additional 1.5% ('Happy Coins') rewards on HPCL fuel/LPG paid via the HP Pay app, on top of the 3.5% card-swipe rate — up to ₹150/month bonus on ₹10,000 of qualifying monthly spend, combining with the fuel rate above to reach the issuer's advertised 'up to 5%' fuel savings figure

✓2.5% rewards on grocery and utility-bill spends, capped at roughly ₹100/month bonus value (~₹4,000 of qualifying monthly spend)

✓The 2.5% FASTag rate applies specifically to IDFC FIRST FASTag recharges done via the IDFC FIRST mobile app (~₹2,000 of qualifying monthly spend to reach the ₹50/month cap)

✓Complimentary roadside assistance worth ₹1,399/year, usable up to 4 times annually (towing, battery jump-start, tyre change, fuel delivery, key arrangement) via Global Assure

✓₹150 discount on Swiggy orders above ₹500, reported as a promotional tie-up; exact validity period not confirmed on an official page

✓No airport lounge access and no movie-ticket discount on this base tier — both are reserved for the pricier IDFC FIRST HPCL Power+ card, which is a separate, higher-fee product (₹499 joining/annual, waived at ₹1,50,000 annual spend) with richer fuel/grocery rates and quarterly domestic lounge access; do not confuse the two

✓Reward points never expire, per issuer marketing

✓1 Reward Point / Happy Coin = ₹0.25 redemption value; a minimum ₹150 transaction is generally required to earn points

✓Card supports RuPay-on-UPI: it can be linked to UPI apps for QR/UPI payments, which earn the base ~0.33% (2 points per ₹150) rate — the same rate as other uncategorised retail spend

Common questions

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

The joining fee is ₹199. The annual fee is ₹199. Annual/renewal fee waived if card spends in the preceding year total ₹50,000 or more

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

IDFC FIRST Bank FIRST Power earns 3.5% cashback on fuel, 2.5% cashback on groceries, 2.5% cashback on fastag, 0.33% cashback on all other spends.

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

No, the IDFC FIRST Bank FIRST Power does not include complimentary airport lounge access.

Who is eligible for the IDFC FIRST Bank FIRST Power?

Applicants typically need a minimum age of 21, and must be salaried or self employed. Salaried applicants typically need a minimum monthly income of ₹25,000; self-employed applicants are typically assessed on a minimum annual income of ₹3,00,000 instead. 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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