IDFC FIRST Power+ Credit Card
by IDFC FIRST Bank · Data verified 4 days ago
Premium fuel credit card offering up to 6.5% savings on HPCL fuel and LPG, 5% on groceries & utilities, and domestic lounge access.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Up to 6.5% massive savings on fuel and LPG cylinder purchases at HPCL stations
- 5% valueback on essential everyday spends: groceries, utility bills, and FASTag recharges
- RuPay Select credit card enables seamless UPI payments at merchant QR codes
- Reward points never expire and have zero redemption fees
- Low dynamic revolving interest rate starting from just 9% p.a. (0.75% per month)
Things to Consider
- Accelerated fuel savings are strictly locked to HPCL pumps and HP Pay app
- Monthly spend cap on 5% grocery/utility spends is relatively low (₹2,000 spend)
- Lounge access requires a steep ₹20,000 spend in the previous calendar month
- Base reward rate on other retail spends is only 0.50%
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Domestic Lounges
4 per year
Travel Insurance
₹2L cover
Fuel Savings
₹100/mo
Lost Card Cover
₹25,000
Movies
- •25% discount on movie tickets up to ₹100 once a month on the Paytm / District app
Dining
- •Up to 20% discount at 1,500+ restaurants across India via IDFC FIRST Bank dining delights
Shopping
- •5% savings (30X reward points) on grocery shopping up to ₹2,000 monthly spend
- •Reward points never expire and carry zero redemption fees
Travel
- •4 complimentary domestic airport lounge visits per calendar year (1 per quarter on ₹20k monthly spend)
- •Complimentary Roadside Assistance (RSA) worth ₹1,399 across India
Partner Benefits
- •Extra 1.5% Happy Coins savings when paying via HP Pay App at HPCL outlets
Special Offers & Features
- •Personal accident cover of ₹2,00,000 and lost card liability coverage up to ₹25,000
Card Features
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC FIRST Power+ Credit Card
10X Reward Points on Dining, Travel & International — No Minimum Spend Required
IDFC First Millennia cardholders now earn 10X Reward Points on Dining, Travel, and International transactions from the very first transaction — the previous ₹20,000 minimum monthly spend requirement has been removed. Effective June 18, 2026.
Effective June 18, 2026. 10X reward points on Dining, Travel, and International purchases from first transaction. 3X on other retail spends. 1X on insurance, utilities, railways, FASTag. No reward points on fuel, EMI, or cash withdrawals. Dining and Travel identified via MCC codes.
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC FIRST Power+ Credit Card
- • Min age: 21 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹30,000/month min
- • CIBIL: 710+ recommended
- ✓ Domestic: 4 per year
- → 4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)
- → Requires minimum retail spends of ₹20,000 in the preceding calendar month
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC FIRST Power+ Credit Card today and unlock amazing rewards and premium experiences.
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