Card Details
FIRST Power
Card Issuer
IDFC FIRST Bank
Joining Fee
₹499
Annual Fee
₹499
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Earn Points
30pts
/₹150 at Hpcl (max ₹600/Mo)
30pts
/₹150 on Groceries & Utilities (max ₹100/Mo)
3pts
/₹150 on Upi & All Other Spends
30 pts
/₹150 Fastag (₹50/Mo Limit)
Benefits
Up to 6.5% fuel savings plus ₹500 HPCL voucher
- Fuel-focused savings
- Up to 6.5% savings on fuel expenses
- ₹500 HPCL fuel voucher on a qualifying ₹500+ transaction
- Savings subject to issuer terms & conditions
5% rewards on grocery, utility bills and FASTag
- Daily spend accelerator
- 5% savings as rewards on grocery & utility expenses
- 5% rewards on IDFC FIRST FASTag recharge
- 3X rewards on UPI and other retail transactions
Quarterly domestic lounge access on ₹20k…
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: emi, cash withdrawal, rent
Estimated Returns
HPCL fuel (via HP Pay app)
30 RP per Rs.150 (~5% value) on HPCL fuel, capped at 2,400 RP per statement cycle (=Rs.600 at Rs.0.25/RP)
₹600
Grocery & utility
~5% value (30 RP per Rs.150) on grocery and utility spends
₹900
IDFC FIRST FASTag recharge
~5% value on IDFC FIRST FASTag recharge
₹0
Other retail spends
3X = 3 RP per Rs.150 on other retail spends
₹0
Total Annual Return
₹18,000
5% Effective ROIThings to Keep in Mind
Monthly capping on 5% reward categories: Fuel (Max 2400 Rewards = ₹600/month), IDFC FIRST FASTag recharges (Max 200 Rewards = ₹50/month), Grocery & Utility (Max 400 Rewards = ₹100/month).
A 1% fuel fee is applicable on fuel transactions if fuel spends in a statement cycle exceed ₹30,000.
A 1% surcharge (minimum ₹249) is levied on education payments done through third-party apps.
