Annual fee₹499+ GST
Forex markup0%
Interest≤ 3.85%a month
NetworkRuPay
You earn
Perks & rules
What changed
18 Jun 202625% movie discount needs at least one card transaction in the previous calendar month
18 Jun 2026Bonus points on app bookings: 26.7% on hotels, 13.3% on flights, up to 8,000 a month
10 Jun 2025Welcome benefit now a gift voucher instead of cashback, with 60 days to make the fuel transaction
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate3 points per ₹150 on other retail and UPI spends (0.5%)
Higher rates
- HPCL fuel: 30 points per ₹150 (5%) on fuel at authorised HPCL stations, incl. HP Pay app QR and wallet loads; not on UPI
- Grocery, utilities: 30 points per ₹150 (5%) on grocery and utility spends
- FASTag: 30 points per ₹150 (5%) on IDFC FIRST FASTag recharges in the bank's apps
- HP Pay app: Extra 1.5% as HP Pay Happy Coins (1 coin = ₹0.25) when paying through the HP Pay app
- App travel bookings: Bonus 26.7% points on hotels and 13.3% on flights booked in the IDFC FIRST app
Limits
- HPCL fuel: ₹12,000 spend a statement cycle (2,400 points)
- Grocery & utility: ₹2,000 spend a statement cycle (400 points)
- FASTag: ₹1,000 a statement cycle (200 points)
- Happy Coins: ₹10,000 spend a month (600 coins)
- Minimum ₹150 transaction; points only on spends up to your credit limit
Doesn't earn on
- Insurance, non-HPCL fuel, EMI transactions, cash withdrawals
- UPI earns nothing on fuel, insurance, EMI
Where it landsIn the card statement
What a point is worth
Value1 point = ₹0.25 (bank's stated value; also the rate for flight/hotel bookings in the app); ₹99 + GST per redemption
ExpiryPoints never expire
Redemption fee₹99 per redemption
Welcome benefit
Welcome₹500 gift voucher on your first HPCL fuel transaction of ₹500+ within 60 days (paid cards); 5% cashback up to ₹1,000 on the first EMI within 30 days
Milestones
MilestonesNone stated
Airport lounges
Domestic1 domestic airport visit a quarter on ₹20,000 spend in a month
InternationalNone
Fuel
FuelNo fuel surcharge waiver; 1% fee if fuel spends exceed ₹30,000 a cycle
Spending abroad
Forex markup0% (also nil on rupee payments abroad)
Fees
Joining fee₹499 + GST (must be paid before the card is sent)
Annual fee₹499 + GST from year 2
Fee waiverAnnual fee reversed on ₹1.5 lakh spend in the previous anniversary year (cash, balance transfer, EMIs, fees excluded)
If you pay late
Late fee15% of total amount due, minimum ₹100, maximum ₹1,300 (nil below ₹100)
Interest0.71%–3.85% a month (8.5%–46.2% a year), set per customer; 3.99% a month if minimum due is missed
Cash withdrawal₹199 per withdrawal; no interest for up to 45 days
Who can apply
AgeAt least 21 (salaried) or 25 (self-employed)
SalariedAnnual income of ₹3 lakh or more
Self-employedAnnual income of ₹3 lakh or more (not split by job type)
More perks
Perks
- 25% off movie tickets on District, up to ₹100 a month, if you used the card the previous month
- Roadside assistance worth ₹1,399
- Personal accident ₹2 lakh; lost card liability ₹25,000
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- FIRST Power+ (HPCL) Credit Card product page Product page · 2 Oct 2026
- IDFC FIRST Bank Credit Card MITC & Schedule of Charges Fee schedule · 9 Sep 2026
- FIRST Power+ Savings Maximiser Card T&C · 28 Aug 2025
- FIRST Power+ Product Usage Guide Card T&C · 12 Nov 2025
- FIRST Power+ bonus points on app travel bookings T&C Card T&C · 19 Jun 2026
- FIRST Power+ Credit Card Privileges Card T&C · 9 Mar 2026
Card image: IDFC FIRST Bank's own website.
