Research coverage — 15/16 categories
IDFC FIRST
FIRST Power Credit Card
Best forFuel & Utilities
Earns21 RP/₹150 on fuel — only at HPCL outlets / HP Pay
1st Year / Joining Fee
₹199 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Network
Not recorded
IDFC FIRST
FIRST Power Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on fuel and utilities, where it earns 21 RP/₹150 (only at HPCL outlets / HP Pay)
- Annual fee is waived at ₹50,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
FuelOnly at HPCL outlets / HP Pay21 RP/₹150
Utilities15 RP/₹150
Groceries15 RP/₹150
FASTag15 RP/₹150
Dining2 RP/₹150
All 16 reward categories · 15 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not a good fit | — | Rental payments (MCC 6513) strictly excluded from reward points accrual per IDFC FIRST MITCDetails
|
| Education | Not a good fit | — | Education payments via third-party aggregators incur 1% fee (min ₹249 + GST)Details
|
| Insurance | — | — | Research pendingDetails
|
| Utilities | 15 RP/₹150 | 400 RP per month | 15 RP/₹150 on Utility spendsDetails
|
| Fuel | 21 RP/₹150 | 700 RP per month | Only at HPCL outlets / HP PayDetails
|
| Groceries | 15 RP/₹150 | 400 RP per month | 15 RP/₹150 on Grocery spendsDetails
|
| Dining | 2 RP/₹150 | — | 2 RP / ₹150 on Dining retail transactions (uncapped core retail rate)Details
|
| Food Delivery | 2 RP/₹150 | — | 2 RP / ₹150 on Food Delivery retail transactions (uncapped core retail rate)Details
|
| Shopping | 2 RP/₹150 | — | 2 RP / ₹150 on Shopping retail transactions (uncapped core retail rate)Details
|
| Travel | 2 RP/₹150 | — | 2 RP / ₹150 on Travel retail transactions (uncapped core retail rate)Details
|
| Government | Not a good fit | — | Government and tax payments (MCC 9311, 9399) strictly excluded from reward points accrualDetails
|
| Wallet | Not a good fit | — | Wallet loading transactions (MCC 6540) strictly excluded from reward points accrualDetails
|
| Railways | 2 RP/₹150 | — | 2 RP / ₹150 on Railways retail transactions (uncapped core retail rate)Details
|
| FASTag | 15 RP/₹150 | 200 RP per month | 15 RP/₹150 on IDFC FIRST FASTag rechargeDetails
|
| Jewellery | 2 RP/₹150 | — | 2 RP / ₹150 on Jewellery retail transactions (uncapped core retail rate)Details
|
| Telecom | 2 RP/₹150 | — | 2 RP / ₹150 on Telecom retail transactions (uncapped core retail rate)Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹199 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Reward caps
- Fuel — 700 RP / month (per category — Fuel)
- Groceries — 400 RP / month (per category — Groceries)
- FASTag — 200 RP / month (per category — FASTag)
- Fuel — ₹100 / month (per category — Fuel)
Key benefits
Rewards
21 RP/₹150 on fuel (only at HPCL outlets / HP Pay)
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 subject to monthly cap
Fee waiver
Annual fee waived on ₹50,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Fuel reward (21 RP/₹150) applies only at HPCL outlets / HP Pay — not to all fuel spends
- Fuel rewards are capped at 700 RP / month (per category — Fuel)
- Groceries rewards are capped at 400 RP / month (per category — Groceries)
- Not recommended for: Rent, Education, Government, Wallet
- Research pending: Insurance — not counted
Who should consider this card
✓ Good fit if
- Your spending is concentrated in fuel, utilities, groceries
- You regularly spend only at HPCL outlets / HP Pay
- You can reach the ₹50,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, government, which earn nothing
- Your spending is not only at HPCL outlets / HP Pay
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 4 caps · 4 no-reward categories
Caps
- Fuel — 700 RP / month (per category — Fuel)
- Groceries — 400 RP / month (per category — Groceries)
- FASTag — 200 RP / month (per category — FASTag)
- Fuel — ₹100 / month (per category — Fuel)
Categories with no reward or not eligible
- Rent — Not a good fit. Rental payments (MCC 6513) strictly excluded from reward points accrual per IDFC FIRST MITC.
- Education — Not a good fit. Education payments via third-party aggregators incur 1% fee (min ₹249 + GST).
- Government — Not a good fit. Government and tax payments (MCC 9311, 9399) strictly excluded from reward points accrual.
- Wallet — Not a good fit. Wallet loading transactions (MCC 6540) strictly excluded from reward points accrual.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to IDFC FIRST's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 subject to monthly cap. GST is not waived.
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Insurance — research pending
- • Lounge benefit — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-28
Verification coverage: 15 of 16 categories verified · 1 still being verified
Card record last checked: 2026-09-28
Documents used