IDFC FIRST Power Credit Card
IDFC FIRST Bank · ₹199 a year · fee waived on ₹50,000 of annual spend
The cheaper IDFC FIRST fuel card for HPCL customers.
What IDFC FIRST Power Credit Card really returns
On a typical ₹50,000 a month of card spend, with points counted as cashback, IDFC FIRST Power Credit Card returns about ₹3,151 a year after its fee (0.53% of spend). That ranks 118 out of 260 cards SahiCard can score. Earns most on fuel (₹1,528) and online shopping (₹396). Put in your own spending to see your figure, with the working shown.
Best credit cards for ₹50,000 a month · All guides
Base rate: 0.33% as Reward Point.
What the bank says
- 3.5% in points on HPCL fuel (21 points per ₹150), 2.5% on groceries, utility bills and FASTag recharges
- 2X points (0.33%) on other retail spends
- Up to 5% on fuel with HP Pay Happy Coins
- Zero forex markup
- Joining and annual fee ₹199, reversed on ₹50,000 of spend in a year
Where it pays more
- 3.5% on fuel at HPCL pumps (21 points per ₹150)
Things that catch people out
- We assume 90% of your fuel is bought at HPCL pumps; other pumps earn only the base rate. IDFC FIRST does not offer a fuel surcharge waiver on these cards.
- The page does not state a monthly cap on the accelerated fuel points, so none is applied.
- An extra 1.5% in Happy Coins on fuel paid through the HP Pay app is not counted.
- No points on insurance, EMI conversions or cash withdrawals.
- IDFC FIRST also pays 2.5% in points on groceries, utility bills and FASTag recharges (15 points per ₹150). The page does not say whether that has a monthly cap, so we leave it out.
Joining fee: ₹199.
Foreign currency markup: 0%.
The facts
- Annual fee: ₹199
- Fee waived at: ₹50,000 of spend a year
- Domestic lounge visits: not published
- Minimum income: ₹3,00,000 a year
Read from IDFC FIRST Bank’s own page on 2026-09-30.
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