by IDFC FIRST Bank · Updated October 2026
Up to 6.5% savings on HPCL fuel, plus UPI rewards.
You'll apply on the official IDFC FIRST Bank page. We never ask for your details.
Up to 6.5% savings on HPCL fuel
5% back on groceries & utility bills
Works on UPI (RuPay)
1% fuel surcharge waiver
Approximate value back on every ₹100 you spend.
The IDFC FIRST Power+ is worth it if you spend a lot on fuel (6.5%) and groceries (5%). The ₹499 annual fee is waived when you spend ₹1,50,000 a year (about ₹12,500 a month), so it's worth it if you'll hit that. It's less suitable if fuel benefit limited to HPCL.
Featured in: Best Credit Cards for UPI Payments (RuPay) · Best Fuel Credit Cards in India
21–60 years (salaried), up to 65 (self-employed)
Regular income; the bank sets the minimum
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The joining fee is ₹499 and the annual fee is ₹499 (plus GST). The annual fee is waived if you spend ₹1,50,000 or more in a year.
Yes. The IDFC FIRST Power+ is available on RuPay, so you can link it to UPI apps like GPay, PhonePe and Paytm and pay at any merchant QR code.
No, the IDFC FIRST Power+ doesn't include complimentary lounge access.
It's best for fuel & daily essentials. Up to 6.5% savings on HPCL fuel, plus UPI rewards.
Federal Bank / Axis Bank / BOBCARD
Axis Bank
YES Bank / AU / PNB