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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.
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.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit per quarter on ₹20,000 minimum monthly spend
- Insurance benefits: ₹2 lakh personal accident cover and ₹25,000 lost-card liability cover
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)
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 0%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
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 ₹50,000 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; where it works abroad, forex markup is zero but international spends earn no points from 26 Oct 2026
- − Lounge access needs a fairly high ₹20,000 monthly spend to unlock
- − Reward rate is modest compared to the Power+ variant