Card Details
FIRST Power
Card Issuer
IDFC FIRST Bank
Joining Fee
₹199
Annual Fee
₹199
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Earn Points
21X rp (up to 5%)
At hpcl fuel stations
2.5%
As rewards on grocery & utility
2.5%
As rewards on idfc first fastag recharge
2X
On upi spends
Benefits
Up to 5% savings on HPCL fuel
- Up to 5% savings as rewards on HPCL fuel spends (21X rewards for every ₹150 spent)
0% forex markup on global spends
- 0% Forex Markup on all global spends
₹250 welcome voucher on first HPCL fuel spend…
₹199 fee reversed on ₹50,000 annual spend
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
The up to 5% fuel saving is a combined calculation of 2.5% card rewards, 1.5% HP Pay rewards, and a 1% fuel surcharge waiver.
Enhanced fuel rewards apply to HPCL fuel purchases.
The detailed official rewards comparison was published in 2023 and is subject to change.
The annual-fee waiver is based on the previous anniversary year and excludes cash withdrawals, balance transfers, EMIs, fees and charges.
3X Rewards, 5% savings and up to 6.5% savings are not accompanied by a full reward schedule or caps on the supplied page.
The official credit-card landing page contains slightly different hotel and flight bonus figures from the product page; the card-specific page should be given priority.
