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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: Jul 08, 2026
The IDFC FIRST Power Credit Card is a fuel-focused credit card designed for individuals who spend regularly on fuel, groceries, utility bills, and everyday purchases. It offers up to 5% savings on eligible fuel transactions at HPCL fuel stations through a combination of reward points and fuel benefits, along with rewards on FASTag recharges, grocery purchases, and utility bill payments.
Cardholders also receive a fuel surcharge waiver, UPI rewards, and travel-related benefits, making it suitable for managing recurring expenses while earning value on daily spending. Users looking for enhanced fuel-related rewards may also explore the IDFC FIRST Power Plus credit card, which offers additional benefits across select spending categories.
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.
Joining fee: ₹199 charged at the time of card issuance
Annual fee: ₹199, which can be waived after meeting annual spending conditions
Fuel savings: Up to 5% savings on eligible fuel purchases
Welcome benefits: Joining advantages worth up to ₹2,250
Suitable for: Individuals seeking rewards on fuel and lifestyle spending categories
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.
The IDFC FIRST Power Credit Card is designed to reward everyday spending across fuel, groceries, utility payments, FASTag recharges, and digital transactions. In addition to fuel-related savings, the card offers welcome benefits, accelerated rewards, and value-added features that can help cardholders earn rewards on regular expenses.
New cardholders can enjoy the following welcome benefits after completing the applicable eligibility criteria:
| Welcome Benefit | Details |
|---|---|
First EMI Cashback |
5% cashback (up to ₹1,000) on the transaction value of the first EMI conversion completed within 30 days of card set-up |
Merchant Offers |
Exciting merchant offers worth ₹1,000+ available within 60 days of card set-up |
Retail & UPI Rewards |
Earn 2X reward points on eligible UPI and other retail transactions |
The IDFC FIRST Power Credit Card allows you to earn reward points across multiple spending categories.
| 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 can be redeemed through the bank’s rewards platform.
Fuel spending is one of the key focus areas of the IDFC FIRST Power Credit Card. The card offers fuel-related rewards and savings that can help frequent commuters and vehicle owners reduce their recurring fuel expenses.
| Fuel Benefit | Details |
|---|---|
Fuel Savings |
Up to 5% savings on your fuel expenses |
First HPCL Fuel Transaction Benefit |
Benefits worth ₹250 on the first HPCL fuel transaction of ₹250 or above |
Reward Points on Fuel |
Earn reward points on eligible fuel purchases at HPCL stations |
Annual Savings Potential |
Up to ₹7,000 in yearly savings based on spending patterns |
These benefits make the card suitable for individuals looking for a fuel credit card that rewards regular fuel purchases while also providing value on everyday spending.
The IDFC FIRST Power Credit Card extends beyond fuel rewards by offering benefits on travel bookings, FASTag recharges, groceries, and utility payments.
| Lifestyle Benefit | Details |
|---|---|
Hotel & Flight Booking Rewards |
Earn 26.67% bonus reward points on hotel and flight bookings through the IDFC FIRST Mobile App |
FASTag Recharge Benefits |
Get up to 2.5% savings as rewards on IDFC FIRST FASTag recharges |
Grocery Rewards |
Earn up to 2.5% savings as rewards on grocery purchases |
Utility Bill Rewards |
Earn up to 2.5% savings as rewards on utility bill payments |
These benefits allow cardholders to continue earning rewards across several day-to-day spending categories.
The card also includes protection and convenience features that can provide additional value beyond rewards and fuel savings.
| Insurance & Protection Benefit | Details |
|---|---|
Roadside Assistance |
Complimentary roadside assistance worth ₹1,399 |
Insurance Cover |
Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000 |
EMI Conversion Facility |
Convert your purchases and outstanding balances to EMI for repayment convenience |
Referral Benefits |
Refer friends and earn up to 10,000 reward points (2,000 reward points for every successful card set-up) |
These benefits complement the card’s reward programme by adding protection, flexibility, and referral-based earning opportunities.
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 |
Over Limit (OVL) Charges |
Applicable as per issuer's prevailing schedule |
Late Payment Fee |
15% of the total amount due, capped at ₹1,300 |
Cash Advance Fee |
₹199 per withdrawal |
Interest-Free ATM Cash Withdrawal Facility |
Available as per issuer terms and billing cycle conditions |
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 Parameter | Requirement |
|---|---|
Age |
Generally 21 to 65 years |
Employment Type |
Salaried or self-employed individuals |
Nationality |
Resident Indian |
Income Requirement |
As per issuer's internal eligibility criteria |
Credit Score Expectation |
Preferably 700 or above |
Documentation Required |
Identity proof, address proof, income proof, PAN card, and any additional documents requested by the issuer |
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
Ans: 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.
Ans: 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.
Ans: 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.
Ans: 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.
Ans: The IDFC FIRST Power Credit Card offers up to 5% savings on eligible fuel transactions through a combination of reward points, HPCL fuel benefits, and fuel surcharge waivers. Actual savings depend on spending patterns, transaction value, and applicable programme terms.
Ans: Yes. The card offers a 1% fuel surcharge waiver on eligible fuel transactions, subject to transaction limits, merchant eligibility, and the issuer's prevailing terms and conditions.
Ans: The credit limit is determined by the issuer based on factors such as income, credit score, repayment history, existing liabilities, and overall credit profile. The approved limit may vary from one applicant to another.
Ans: Reward points can generally be redeemed through the issuer's rewards platform for eligible redemption options. Available redemption categories and fuel-related redemption options may vary as per the current rewards programme.
Ans: Accelerated rewards are available across eligible fuel purchases at participating HPCL outlets, grocery spending, utility bill payments, FASTag recharges, UPI transactions, and select travel bookings made through the IDFC FIRST Bank Mobile App.
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