IDFC FIRST Bank FIRST Power & Power+

Lounge access

Complimentary domestic airport lounge access, once every quarter (on minimum monthly spend of ₹20,000 in the previous calendar month).

Verified · FIRST Power+ Product Guide (rewards/program terms & benefits) · 2026-07-30 · source

Interest-free period

Interest-free ATM cash withdrawals for up to 48 days.

Verified · FIRST Power+ Product Guide (rewards/program terms & benefits) · 2026-07-30 · source

Fuel surcharge waiver

• 5% savings on fuel at HPCL authorized fuel stations (30X Rewards), plus 1.5% savings as payback points on all fuel purchases through HP Pay App by HPCL.
• Fuel Surcharge waiver included in Fuel savings.
• Minimum transaction value of ₹150 required to earn rewards.

Verified · FIRST Power+ Product Guide (rewards/program terms & benefits) · 2026-07-30 · source

Milestone benefit

• 25% discount on movie tickets up to ₹100, once every month.
• And complimentary domestic airport lounge access once every quarter on minimum monthly spend of ₹20,000 in the previous calendar month.

Verified · FIRST Power+ Product Guide (rewards/program terms & benefits) · 2026-07-30 · source

Redemption value

• 1 Reward = ₹0.25.
• Rewards never expire.
• HP Pay App wallet upload: 3 Happy Coins on wallet upload, 1 Happy Coin earned on payment and 2 Happy Coins after 45 days of payment.

Verified · FIRST Power+ Product Guide (rewards/program terms & benefits) · 2026-07-30 · source

Reward cap

• Fuel: max 2400 Rewards = ₹600/month.
• IDFC FASTag: max 200 Rewards = ₹50/month.
• Grocery & Utility: max 400 Rewards = ₹100/month.
• 3X Rewards on all UPI and other expenses: No Capping.
• HP Pay App Pay by QR: 6 Happy Coins up to ₹150 per month.

Verified · FIRST Power+ Product Guide (rewards/program terms & benefits) · 2026-07-30 · source

Reward exclusion

Verified · FIRST Power+ Product Guide (rewards/program terms & benefits) · 2026-07-30 · source

Travel benefit

Complimentary Road-Side Assistance worth ₹1,399.

Verified · FIRST Power+ Product Guide (rewards/program terms & benefits) · 2026-07-30 · source

Insurance

• ₹2 Lakh Personal Accident Cover.
• Complimentary Road-Side Assistance worth ₹1,399.

Verified · FIRST Power+ Product Guide (rewards/program terms & benefits) · 2026-07-30 · source

Eligibility

• Joining Offer available to Primary Card Members only, once per cardholder.
• Only cardholders who have paid the Joining Fee are eligible.
• Fuel transactions eligible for rewards only if made at authorized HPCL fuel stations.
• Minimum transaction value of ₹150 required to earn rewards.

Verified · FIRST Power & Power+ Welcome Offer Benefits (program terms) · 2026-07-30 · source

Official terms

https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card.

Verified · FIRST Power & Power+ product page · 2026-07-30 · source