Cards · IDFC FIRST Bank

FIRST Power Credit Card (HPCL IDFC FIRST Bank): rewards, caps and exclusions

The FIRST Power Credit Card (HPCL IDFC FIRST Bank) pays about 3.5% on HPCL fuel: HPCL authorized fuel stations, HP Pay wallet upload, Pay by QR in HP Pay app, on the first ₹5,000 of spend a cycle, and 0.33% on everything else. Below is every rate, cap and exclusion in IDFC FIRST Bank's published terms, as we last checked them on 9 October 2026.

RuPay₹199 a yearPaid in points

What it earns

≈3.5%HPCL fuel: HPCL authorized fuel stations, HP Pay wallet upload, Pay by QR in HP Pay appon the first ₹5,000 of spend a cycle

≈2.5%IDFC FIRST FASTag recharge via IDFC FIRST Bank Mobile Banking app or FIRST Forward appon the first ₹2,000 of spend a cycle

≈2.5%Groceries, Billson the first ₹4,000 of spend a cycle

≈0.33%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Insurance premiums
EMI conversions
Cash withdrawals and fees

What costs extra

Worse than earning nothing: IDFC FIRST Bank charges a fee for these.

1% on Fuel Fee, plus GST
1% on Education payments through third-party apps, at least ₹249, plus GST
1% on Rent and Property Management Fee, at least ₹249, plus GST
1% on Fair usage on Utility Spends, plus GST
1% on Passenger Railways Transaction Fee, plus GST
1% on Tolls and Bridges Transaction Fee, plus GST

Fees

Annual fee: ₹199, plus 18% GST
Joining fee: ₹199
Annual fee waived on ₹50,000 of spend in a card year

Welcome benefit: ₹250 gift voucher on the 1st HPCL fuel transaction of ₹250+ + 5% cashback up to ₹1,000 on the first EMI within 30 days on paying the joining fee and spending ₹250 within 60 days.

Where this comes from

Transcribed from IDFC FIRST Bank's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with IDFC FIRST Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your IDFC FIRST Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works

Other IDFC FIRST Bank cards

Ashva Credit Card

≈6.67% on Hotel bookings via idfc first mobile app

FIRST Power+ Credit Card (HPCL IDFC FIRST Bank)

≈5% on HPCL fuel: HPCL authorized fuel stations, HP Pay wallet upload, Pay by QR in HP Pay app

Gaj: Credit Card

≈8.33% on Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank app

Hello Cashback Credit Card

1% on Rent, Bills, Education, Transport, Shopping

IDFC FIRST Classic Credit Card

≈1.25% on International purchases, Food, Transport, Spends done on your birthday

IDFC FIRST Millennia Credit Card

≈1.25% on International purchases, Food, Transport, Spends done on your birthday

IDFC FIRST Select Credit Card

≈1.25% on International purchases, Food, Transport, Spends done on your birthday

IDFC FIRST Wealth Credit Card

≈6.25% on Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank app

LIC IDFC FIRST Select Credit Card

≈2% on LIC insurance premium paid on licindia.in

Mayura Credit Card

≈6.67% on Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank app

Quantum+ Credit Card

0.5% on Rent, Bills, Shopping

Every card we have rules for