FIRST Power Credit Card
An HPCL co-branded RuPay card for ₹199 a year (waived on ₹50,000 of spend): 21 points per ₹150 (3.5%) at HPCL pumps up to 700 points a cycle, 15 per ₹150 on groceries and utilities up to 400 points, 2 per ₹150 elsewhere including UPI; 1 point = ₹0.25. Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹199 plus GST Product page |
|---|---|
| Annual fee | ₹199 plus GST Product page |
| Annual fee waiver | On ₹50,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| The joining fee must be paid before the card is activated and sent. A 1% fuel fee applies if fuel spends in a statement cycle exceed ₹30,000. | |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| 21 points per ₹150 at HPCL pumps (up to 700 points a statement cycle) | 21 points per ₹150 Terms | up to 700 points a statement cycle Terms |
| 15 points per ₹150 on groceries and utilities (up to 400 points a statement cycle) | 15 points per ₹150 Terms | up to 400 points a statement cycle Terms |
| 2 points per ₹150 on UPI payments | 2 points per ₹150 Terms | no cap on record |
| 2 points per ₹150 on other retail spends | 2 points per ₹150 Terms | no cap on record |
HPCL fuel earns points only at HPCL outlets on the bank's merchant list. Grocery and utility points stop after ₹4,000 of such spend a cycle; the page does not say they then earn the base rate. UPI spends on fuel, insurance, groceries and utilities earn nothing. Points do not expire.
No rewards on
Benefits
- Lounges: none on record
- Welcome: ₹250 gift voucher on the first HPCL fuel purchase of ₹250 or more (joining fee paid) Product page
Also on this card
Quoted from IDFC FIRST Bank; not counted in the net value.
- IDFC FIRST FASTag recharges earn 15 points per ₹150 (2.5%), up to 200 points a cycle Terms
- Extra 1.5% as HP Pay Happy Coins when fuelling through the HP Pay app Terms
- 26.7% bonus points on hotels and 13.3% on flights booked in the IDFC FIRST app Terms
- Roadside assistance worth ₹1,399 Product page
- 5% cashback up to ₹1,000 on the first EMI within 30 days Product page
Eligibility
- Age 21 or above Product page
- Indian citizen Product page
- Annual income of ₹3 lakh or more Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by IDFC FIRST Bank in the documents read
- a fuel surcharge waiver
- airport lounge access
The quotes behind the figures
34 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“Joining Fee: ₹199 | Annual Fee (2nd year onwards): ₹199”
“FIRST Power Credit Cards levy a joining/annual fee of ₹199 + GST. The annual fee is waived off on a yearly spending of ₹50,000 in the previous year.”
“Annual fee ₹199, reversed on crossing ₹50,000 spends in the previous anniversary year”
“FIRST Power Credit Card now comes with Zero Forex Markup”
“Applicable structure: 2 Reward points per 150 (1 Reward point = 0.25)”
“21X = 21 Rewards per 150 spends on HPCL fuel”
“5,000 per statement cycle (Maximum 700 Rewards per statement cycle)”
“Applicable structure: 15 Reward points per 150 spends on grocery & utility (1 Reward point = 0.25)”
“Maximum spends capping: 4,000 per statement cycle (Maximum 400 Rewards per statement cycle)”
“UPI Rewards 2X Rewards”
“Exclusions: Insurance premium payments, fuel spends, EMI transactions, ATM cash withdrawals, utility spends, grocery spends and IDFC FIRST FASTag recharges.”
“Other Retail Spends 2X Rewards”
“There is no capping on these reward points.”
“Minimum transaction value of 150 required to be eligible to earn rewards.”
“Applicable on: All other retail spends excluding Insurance premium payments, non-HPCL fuel spends, EMI transactions, ATM cash withdrawals.”
“Maximum spends capping: 2,000 spends per statement cycle (Maximum 200 Rewards per statement cycle)”
“Currently, only IDFC FIRST Bank Credit Cards powered by RuPay can be linked on UPI.”
“You can currently link your FIRST Power and Power+ Credit Card with all UPI apps, including BHIM, PhonePe, Paytm, Google Pay, Freecharge, Slice, CRED, and Mobikwik.”
“₹50,000 spends milestone includes all the purchases (excluding ATM Cash Withdrawal, Balance Transfer, monthly EMIs, fees and charges) net of reversals/refunds”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“1% fuel fee shall be applicable on fuel transactions if fuel spends in a statement cycle exceed 30,000.”
“Earn forever and Redeem anytime, anywhere with IDFC FIRST Bank credit cards”
“You may need to pay a redemption charge of ₹99 + GST.”
“Get ₹250 worth welcome benefit# on 1st HPCL fuel transaction of ₹250 or above”
“Applicable structure: 15 Reward points per 150 recharge on IDFC FIRST FASTag (1 Reward point = 0.25)”
“6 Happy Coins per 100 fuel spends through HP Pay App (1 Happy Coin = 0.25)”
“Hotels 26.7% Bonus Reward Points on hotel”
“Complimentary Roadside Assistance worth ₹1,399”
“Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card set-up*.”
“You must be at least 21 years old”
“You must be an Indian citizen”
“To be eligible for a FIRST Power Credit Card, you must have an annual income of ₹ 3 Lacs or more”
“FIRST Power Credit Card now comes with Zero Forex Markup Apply Now”
“Types of RuPay Credit Cards Power+ HPCL Power HPCL Digital Card FIRST EA₹N FIRST WOW! Black Hello Cashback IndiGo IDFC FIRST”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology