Fuel
IDFC FIRST Power+ Credit Card
An HPCL fuel card: up to 6.5% savings at HPCL pumps, 5% on groceries, utilities and FASTag, zero forex markup and a lounge visit each quarter.
Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹1.5 lakh spend a year
Top reward5% at HPCL (+1.5% via HP Pay)
Lounge1 domestic a quarter (spend-based)
Forex markup0%
Best for: Drivers who fuel at HPCL and also want a zero-forex card for trips abroad.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| HPCL fuel | 5% (30 points per ₹150) | 2,400 points and ₹12,000 spend a cycle |
| Fuel paid via the HP Pay app | Extra 1.5% as Happy Coins | 600 Happy Coins a month |
| Groceries and utilities | 5% (30 points per ₹150) | 400 points a cycle |
| IDFC FIRST FASTag recharge | 5% | 200 points a cycle |
| Other spends | 3 points per ₹150 | – |
- 1 point = ₹0.25.
- Rewards only apply up to your credit limit each cycle.
Benefits
Welcome benefit
- ₹500 voucher on your first HPCL fuel transaction of ₹500+ within 60 days.
- 5% cashback (up to ₹1,000) on your first EMI conversion.
Milestones
- Annual fee waived on ₹1.5 lakh spend.
Travel and lounges
- 1 domestic lounge visit a quarter when you spend ₹20,000 in a month.
Fuel and forex
- Zero forex markup.
- No separate fuel surcharge waiver (the 5% includes savings at HPCL).
Other perks
- Personal accident cover ₹2 lakh
- Roadside assistance up to 4 times a year
- 25% off movie tickets (up to ₹100) once a month
Fees and charges
| Joining fee | ₹499 + GST |
|---|---|
| Annual fee | ₹499 + GST, waived on ₹1.5 lakh yearly spend |
| Interest | 0.71% to 3.85% a month |
| Forex markup | 0% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 21+
- Income ₹3 lakh a year or more
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Strong HPCL fuel savings
- Zero forex markup
- Roadside assistance and insurance
Watch out for
- Only HPCL fuel earns the top rate
- Small caps on groceries and FASTag
- Lounge needs ₹20,000 monthly spend
Frequently asked questions
Does IDFC FIRST Power+ charge forex markup?
No, it has a 0% forex markup.
Ready to apply for the IDFC FIRST Power+ Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: Paisabazaar · IDFC FIRST Bank. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.