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Explore how the FIRST Power Credit Card helps you save on fuel, earn rewards on everyday spending, and manage payments efficiently with a single credit card.
Last updated on: April 07, 2026
If fuel expenses and everyday transactions account for a significant portion of your monthly budget, you should consider a credit card designed to reward these routine payments. The IDFC FIRST Bank’s FIRST Power Credit Card helps you earn rewards on fuel purchases, groceries, utility bills, and digital transactions while providing practical savings across essential spending categories.
The IDFC FIRST Bank’s FIRST Power Credit Card is a fuel-focused credit card designed for individuals who frequently spend on petrol, daily purchases, and digital payments. It allows you to earn rewards across multiple spending categories while helping reduce overall fuel costs.
In addition, the card supports Unified Payments Interface (UPI) transactions, enabling you to link the credit card to your smartphone for convenient payments and reward accumulation.
Before applying, it helps to understand the FIRST Power Credit Card by IDFC FIRST Bank features that make the card suitable for regular commuters and everyday spenders.
Overall, the FIRST Power Credit Card by IDFC FIRST Bank benefits focus on helping you reduce recurring fuel expenses while continuing to earn value on everyday spending.
Before choosing a fuel credit card, you should evaluate how the rewards system works for common transactions such as fuel purchases, grocery payments, and digital payments. The Power Credit Card by IDFC FIRST Bank focuses on everyday spending categories where cardholders typically spend most frequently.
The IDFC FIRST Bank’s FIRST Power Credit Card allows you to earn reward points on multiple spending categories, including fuel, groceries, utilities, and retail payments.
| Spending Category | Reward Benefit |
|---|---|
Fuel purchases at HPCL stations |
Around 3.5% savings through reward points |
Grocery and utility payments |
Up to 2.5% savings in reward points |
Retail and UPI transactions |
2X rewards on eligible purchases |
Each reward point typically has a redemption value of ₹0.25, and points can be redeemed through the bank’s rewards platform.
Fuel spending forms the core advantage of the FIRST Power Credit Card by IDFC FIRST Bank, particularly for individuals who regularly commute or travel by car.
| Fuel Benefit | Details |
|---|---|
Fuel savings |
Up to 5% savings on eligible fuel expenses |
Additional rewards |
Earn reward points on fuel purchases at partner fuel stations |
Annual savings potential |
Up to ₹7,000 in yearly savings based on spending patterns |
These benefits help you manage monthly fuel costs while earning additional value from transactions that are otherwise unavoidable expenses.
Beyond fuel savings, the IDFC FIRST Bank’s FIRST Power Credit Card also rewards everyday payments that many households regularly make.
| Shopping Category | Benefit |
|---|---|
Grocery purchases |
Up to 2.5% reward savings |
Utility bill payments |
Reward points on regular bill payments |
FASTag recharge |
Up to 2.5% savings on eligible recharge transactions |
Retail and UPI transactions |
2X rewards on eligible purchases |
Additionally, the card offers benefits such as roadside assistance worth ₹1,399 and insurance protection for cardholders.
Overall, the FIRST Power Credit Card by IDFC FIRST Bank features allow you to earn value from daily spending while maintaining convenience in digital payments.
Before applying for the IDFC FIRST Bank’s FIRST Power Credit Card, you should review the key fees and charges associated with the card.
| Fee Type | Amount |
|---|---|
Joining Fee |
₹199 |
Annual Fee |
₹199 |
Annual Fee Waiver |
Waived on spending ₹50,000 or more annually |
Interest Charges |
0.71% to 3.85% per month |
Late Payment Fee |
15% of the total amount due, capped at ₹1,300 |
Cash Advance Fee |
₹199 per withdrawal |
Disclaimer: GST (Goods and Services Tax) of 18% may apply to the above charges. Fees may change according to the issuer’s policies.
Before applying for the FIRST Power Credit Card by IDFC FIRST Bank, ensure that you meet the bank’s basic eligibility requirements.
Eligibility requirements:
Disclaimer: Final approval depends on the issuer’s internal credit assessment and verification process.
When applying for the IDFC FIRST Bank’s FIRST Power Credit Card, you need to submit standard documentation to verify your identity and financial information.
Required documents typically include:
Identity proof, such as your PAN card, Aadhaar card, or passport
Address proof such as Aadhaar card, passport, or utility bill
Income proof such as salary slips, bank statements, or Income Tax Return (ITR)
Passport-size photograph if required during verification
Submitting correct documentation ensures that the bank can verify your eligibility and process the card application smoothly. The FIRST Power Credit Card by IDFC FIRST Bank features become accessible only after successful approval and card activation.
Applying for the IDFC FIRST Bank’s FIRST Power Credit Card can usually be completed online through a simple application process.
Steps to apply:
Visit the official credit card application page
Select the FIRST Power Credit Card from the available card options
Enter your personal, employment, and income details in the form
Upload the required identity and income verification documents
Submit the application and wait for verification and approval
Once approved, you can start using the FIRST Power Credit Card by IDFC FIRST Bank benefits immediately after activating the card.
Reviewer
The IDFC FIRST Bank’s FIRST Power Credit Card is a fuel-focused credit card that offers rewards on fuel purchases, grocery spending, utility payments, and retail transactions.
The FIRST Power Credit Card by IDFC FIRST Bank benefits include up to 5% savings on fuel expenses, reward points on grocery and utility payments, welcome benefits worth ₹2,250, and insurance protection.
The IDFC FIRST Bank’s FIRST Power Credit Card has a joining fee and annual fee of ₹199 each, along with interest charges, late payment fees, and applicable GST.
Indian citizens aged 21 years or above with a good credit score can apply for the FIRST Power Credit Card by IDFC FIRST Bank, subject to the issuer’s approval and verification process.
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