All cards / IDFC FIRST Bank
IDFC FIRST Power Credit Card
RuPay
IDFC FIRST Power Credit Card
IDFC FIRST Power, built with HPCL and running on RuPay, is a very low-cost fuel-and-utility card offering up to 2.5% value back on fuel/LPG plus everyday rewards on FASTag top-ups and groceries — a good pick for someone who wants a cheap fuel card and is fine with the RuPay network's more limited international acceptance.
Rates and fees last verified 19 July 2026 · No bank pays us to rank higher.
Annual fee
₹199
Joining fee
₹199
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- ✈️ Travel
1 complimentary domestic lounge visit per quarter on ₹20,000 minimum monthly spend
- 🛡️ Insurance
Personal accident cover of ₹2 lakh and lost card liability cover of ₹25,000
- ⛽ Fuel
2.5% reward rate (capped ₹1,000/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1 complimentary domestic lounge visit per quarter on ₹20,000 minimum monthly spend
- Personal accident cover of ₹2 lakh and lost card liability cover of ₹25,000
Pros
- + Rock-bottom ₹199 fee, waived on ₹1.5 lakh annual spend
- + Up to 2.5% value back on fuel, LPG and FASTag recharges
- + 25% off monthly movie tickets and complimentary roadside assistance
Cons
- − RuPay-only, limiting use for online/international transactions
- − Lounge access needs a fairly high ₹20,000 monthly spend to unlock
- − Reward rate is modest compared to the Power+ variant