IDFC First Power Credit Card – Updated Benefits & Fees (2025)

Raj is a frequent traveller and a tech-savvy professional who found the perfect way to save with the IDFC FIRST Power Credit Card. He gets excellent benefits in terms of saving on fuel, groceries, and utilities.

For example, Raj saves up to ₹5,000 every month and ₹7,000 every year, which makes it an ideal choice for someone always on the move.

The rewards are just as attractive—each time Raj fills up at HPCL stations, he earns reward points and Happy Coins, adding to his savings. He also got cashback on his first fuel transaction, making travel expenses cheaper.

The card rewards program is simple to use, and Raj quickly redeems his points for discounted flight bookings, adding even more value to his travel plans.

IDFC First Bank is updating its credit card terms starting February 20, 2025, in line with the evolving needs of users like Raj. Changes include revised Annual Percentage Rates (APR), fuel fee waivers, new payment due dates, and updates on add-on card and replacement fees, ensuring more benefits for cardholders.

What is an IDFC First Power Credit Card?

The IDFC FIRST Power Plus Credit Card is ideal for those seeking to save on fuel and other daily purchases. For instance, you can save 6.5% on fuel at HPCL stations and 5% on groceries and utilities. 

Additionally, you get ₹500 cash back on your first fuel transaction within 30 days of activating the card. There are spending limits on categories such as HPCL fuel, HP Pay App, groceries, utilities, and IDFC FIRST FASTag recharge. This is a good option for HPCL loyalists and credit card beginners.

IDFC First Power Credit Card Welcome Benefits & Privileges

Welcome benefits and merchant offers are available when you use the IDFC FIRST Power Credit Card!

• ₹250 Cashback: ₹250 cashback on the first HPCL fuel transaction of ₹250 or more, made within 30 days from the card activation date.
• Earn cashback: ₹1,000 5% Cashback—First EMI conversion earns a cashback up to ₹1,000.
• Offer: ₹1,000 off on Zoomcar car rentals.
• Up to 50% Discount: Domestic and international car rentals from up to 50% off are available from suppliers such as Eco Rent a Car and Europcar.
  
  

FIRST Power Credit Card Fuel Savings

Here’s a simplified table with the details for the FIRST Power Credit Card Fuel Savings

How to Earn Rewards

Important Notes:

• No UPI Payments: You will not earn rewards using UPI for payments.
• Only at HPCL Fuel Stations: Rewards apply for fuel payments at HPCL-authorised locations.

Tip: Using the HP Pay App would yield the most significant savings on purchases from HPCL since one need not provide the machine code of the fuel station's MID and simultaneously earn 1.5% additional savings as Happy Coins.

Grocery and Utility Save

• Where it Works: The savings are on grocery and utility purchases that are eligible under the Merchant Category Code applied by the store.
• How you Save: Get 15 Reward Points for every ₹150 spent on grocery and utility items.
• (1 Reward point = ₹0.25)
• Limits: You can earn rewards on up to ₹4,000 spent every month, a maximum of 400 Reward Points.

How Rewards Are Credited: Rewards will appear on your credit card statement.

Important: No rewards will be earned if the merchant does not fall within grocery or utility categories based on the MCC.

IDFC FIRST FASTag Recharge Savings

Where It Applies: You earn rewards each time you recharge your FASTag via the IDFC FIRST Bank Mobile Banking App and/or the FIRST Forward App.

• How It Saves: You receive 15 Reward Points with each of these FASTag recharges of ₹150 incurred in its regard.

(1 Reward point = 0.25₹)

• Limits: You earn rewards on as much as ₹2,000 spent every month, translating to a maximum of 200 Reward Points.

Other Retail Spends Savings

This applies to all retail spends except

• Insurance premium payments
• Non-HPCL fuel spends
• EMI transactions
• ATM withdrawals
• HPCL fuel, utility & grocery spend and IDFC FIRST FASTag recharges—these have their reward structure

How it Saves

• Earn 2 Reward points for every ₹150 spent on eligible retail spends.

(1 Reward point = ₹0.25)

• This translates into 2.5% savings (15X Rewards)
• No cap on the reward points for these spends.

Maximize HPCL Fuel Savings

• For more fuel saving on HPCL, using the HP Pay App is highly advised. In doing so, one eliminates the use of MID from the fuel station and has 1.5% of Happy Coins added to his/her savings.

IDFC First Power Credit Card UPI Rewards

Where it Applies: Earn rewards on all retail purchases made via UPI.

Exclusions: No rewards on:

• Insurance premium payments
• Fuel spends
• EMI transactions
• ATM withdrawals
• Utility and grocery purchases
• IDFC FIRST FASTag recharges

How You Save:

• Earn 2 Reward points for every ₹150 spent via UPI.
  
  (1 Reward point = ₹0.25)

Limits: There is no cap on the reward points you can earn.

Roadside Assistance

Get free RSA across India 4 times a year with the IDFC FIRST Power Credit Card. Worth ₹1,399 every time. Global Assure powers it.

How to Use Roadside Assistance (RSA)

• Call for Help: If you need roadside assistance, call the toll-free number 18005723860.
  
  
• Share Your Details: To verify your identity, provide your full name and the last four digits of your IDFC FIRST Power Credit Card to Global Assure.
  
  
• Show Your ID: Present a valid government ID or car documents (like an RC copy, PUC certificate, or insurance copy) to the fleet vehicle agent. They will check your details and provide the RSA service if all the details are correct.

Benefits provided in Roadside Assistance

• Towing of Vehicle on breakdown/accident
• Alternate Battery or Jump Start
• Tyre Change
• Taxi Benefit
• Arrangement of spare keys
• Arrangement of fuel
• Extraction or Removal of vehicle

Complimentary Insurance Covers with IDFC FIRST Power Credit Card

IDFC First Power Credit Card Fees and Charges

Like every other credit card, IDFC FIRST Power Credit Card carries certain fees and charges that you need to be aware of:

Joining and Annual Fees

• Joining Fee: ₹199
• Annual Fee: ₹199. This annual fee is waived off if you spend ₹50,000 or more in a year

Interest Rates

• Interest rates on the card are dynamic. They start from 9% per annum so that you can get low rates for purchases when you pay in time.
  
  

ATM Cash Withdrawal Fees

• Interest free ATM cash withdrawals up to 45 days without any charge other than ₹199 per transaction, which is one of the finest options when needed in emergencies and for immediate use.

Late Fee

• Late fees are applicable, which may be between ₹100 and ₹1,300 for the entire sum, if the due date is not met.

Over-limit Charges

• You would get charged a fee that is 2.5% of the over-limit amount, with a minimum charge of ₹550, in case you cross the credit limit.

IDFC First Power Credit Card Eligibility Criteria

To apply for the IDFC FIRST Power Credit Card, one has to meet these requirements:

• Must be above 21 years of age
• Be an Indian citizen.
• Have a good credit score
• Having an annual income of at least ₹3 lakhs

Documents Required

You will require the following documents to apply for the IDFC FIRST Power Credit Card:

• ID Proof: Aadhaar card, voter ID, or passport
• Income Proof: Salary slips or Income Tax Return (ITR)
• Proof of Address: Aadhaar card, voter ID, passport, or utility bills

How to Apply for the IDFC FIRST Power Credit Card offline?

1. Visit your nearest IDFC Bank Branch.
2. Request a credit card application form.
3. Select the IDFC First Power Credit Card.
4. Fill in your personal and income details in the form carefully.
5. Attach a photo and sign the form.
6. Check the form for accuracy and submit it along with the required documents.

How to Apply for the IDFC FIRST Power Credit Card online?

1. Visit the official website of IDFC Bank.
2. Click on the ‘First Power’ option.
3. Click on the ‘Apply Now’ option.
4. Enter your name, DOB, mobile number, and click on ‘Get OTP.’
5. Enter the OTP received on your registered mobile number, accept the terms and conditions, then click on ‘Proceed.’
6. Enter your PAN Card number, Gender, current residential address, pincode, and click on ‘Proceed.’
7. Enter your employment details (like occupation, company name, net monthly income), then click on ‘Continue.’
8. Click on the ‘Check Best Offers’ option.
9. On the next page, E-Verify your income.
10. Click on the ‘Get Your Card’ option.
11. Complete your KYC by clicking on ‘Aadhar based E-KYC.’
12. Enter your aadhar card number and click on ‘Get OTP.’
13. Enter the OTP received on your registered mobile number and click on ‘Verify e-KYC.’
14. On the next page your application reference number will be generated.
15. Scroll down a bit and click on ‘Start Video KYC Now.’
16. This is how you can apply for an IDFC Power Credit Card.

Note: Make sure that at the time of Video KYC you must have a black paper, a pen and your original PAN card with you.

• During the Video KYC, an employee from HDFC bank will appear on your screen, and he’ll ask you to show the original PAN card.
• Then he’ll ask you to sit straight and capture a photo of you.
• After that he’ll tell you to do your signature on the blank paper in front of him.
• After these steps your video KYC will be completed.
• The card will be delivered to your address within a week.

Who Should Apply for the IDFC FIRST Power Credit Card?

The IDFC FIRST Power Credit Card is suitable for a wide variety of people:

• Frequent travelers will enjoy the fuel savings, travel discounts, and insurance coverage.
• Commuters who travel frequently in their vehicles will love the 5% savings on fuel purchases.
• Shoppers who make a lot of retail purchases can enjoy the 2X rewards on retail transactions.
• The rewards will be credited to the user's account with popular UPI apps on every transaction, making it ideal for tech-savvy people who prefer UPI for payments.
• People who like lifestyle perks such as car rentals, roadside assistance, and discounts at popular brands will love this card.

How to Use Rewards on IDFC FIRST Power Credit Card

With the IDFC FIRST Power Credit Card, you can use your rewards for numerous things like

• Cash Back from your Statement
• Gift Vouchers from any brand
• Hotel or flight booking to get you some discounted stays or flights.
• Shop at all our partner merchants, with a plethora of deals and discounts available.
• Redeem your rewards process is an easy one via the IDFC FIRST Bank mobile app or even on the website. Log into your IDFC FIRST Bank account and redeem points at your convenience.

IDFC First Power Credit Card Customer Care Details

• You can email IDFC First Bank’s credit card customer care at pno@idfcfirstbank.com or call them at 1800 10 888.
• For NRI customer care, email nriservices@idfcfirstbank.com .
• You can also contact them by sending a “Hi” message on 9555 555 555 via the mobile app.

Conclusion

IDFC FIRST Power Credit Card is a good choice for frequent travelers, commuters, and tech-savvy shoppers who want to save on everyday expenses. It offers many benefits, from fuel savings to cashback and rewards at grocery stores, utility stores, and even recharges for FASTag. The card also comes with lifestyle benefits including car rentals, roadside assistance, and travel insurance. 

Furthermore, it has new updates starting in February 2025, with more value being added to it in terms of revised APR, fuel fee waivers, and easy redemption of rewards. It makes saving easy and rewarding when shopping, traveling, or even managing utilities.

FAQs related to IDFC FIRST Power Credit Card

Q1: What is the value of reward points in the IDFC First Power credit card?
The IDFC First Power credit card earns 3 Reward points for every ₹150 spent. Each Reward point is worth ₹0.25, and there is no cap on how many reward points you can earn.

Q2: What are the ATM withdrawal charges using the IDFC Power credit card?

ATM draws on the IDFC Power credit card attract a cash advance fee of ₹199 + GST. However, if you choose the IDFC FIRST Bank FIRST Power+ credit card, you do not have the hassle of paying high interest charges levied on cash withdrawals instead, you get away with merely the ₹199 + GST cash advance fee and 0% interest is levied if repaid before due date.

Q3: How do I avoid a fuel surcharge on my credit card?

You may have to fulfill certain conditions to avoid the fuel surcharge on your credit card. For example, you may have to spend a minimum amount on fuel every month or use your card at specific fuel stations. Moreover, the waiver may be available only up to a certain limit, either per transaction or on a monthly basis.

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