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IDFC FIRST Power+ Credit Card
RuPay
IDFC FIRST Power+ Credit Card
The Power+ variant bumps HPCL fuel value back up to roughly 6.5% and adds a small annual fee, making it worthwhile for drivers who fill up often enough to outrun the ₹499 fee quickly. It shares Power's RuPay-only limitation but is the stronger of the two for genuine fuel spenders.
Rates and fees last verified 19 July 2026 · No bank pays us to rank higher.
Annual fee
₹499
Joining fee
₹499
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 720+ 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
- ⛽ Fuel
4% reward rate (capped ₹1,000/monthly)
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1 complimentary domestic lounge visit per quarter on ₹20,000 minimum monthly spend
- 4 complimentary roadside assistance uses per year, worth ₹1,399 each
Pros
- + Up to 6.5% total value back on fuel and LPG purchases
- + 4 free roadside assistance call-outs a year
- + Fee waived on ₹1.5 lakh annual spend, achievable for regular drivers
Cons
- − RuPay-only network limits international and some online acceptance
- − Lounge access gated behind a ₹20,000/month spend threshold
- − Introductory zero-fee offer periods can lapse to the standard ₹499 fee