How do you get 5% fuel savings on IDFC First Bank Power?

You earn 3.5% reward points on your card plus an additional 1.5% value back in loyalty points when paying through the HP Pay app at HPCL fuel stations.

Does the IDFC First Bank Power card offer a fuel surcharge waiver?

No. The entry-level Power card does not include a fuel surcharge waiver. Cardholders rely on the 5% combined rewards to cover and surpass surcharge costs.

How do you waive the annual fee on IDFC First Bank Power?

The annual fee of ₹199 + GST is completely waived if your total retail spending in the preceding membership year reaches ₹50,000 or more.

Does IDFC First Bank Power card offer airport lounge visits?

No. The entry-level Power card does not include complimentary domestic airport lounge visits.

IDFC First Bank Power Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility

Researched & Fact-Checked by CardSe Editorial Team · Verified: September 2026 against Bank Schedule of Charges (MITC) · CardSe Score: 4.4 / 5.0

The IDFC First Bank Power Credit Card is a leading fuel credit card issued by IDFC FIRST Bank on the RuPay Select network. Tailored specifically for entry-level car and bike owners refueling at hpcl pumps who want a budget-friendly fuel credit card with utility and fastag rewards. it features a joining fee structure of ₹199. In this comprehensive 2026 review, CardSe evaluates its fee waiver thresholds, category capping rules, airport lounge access qualification, and net reward yields to help you determine if this card earns a permanent spot in your wallet.

Key Benefits & Reward Structure

The reward structure of the IDFC First Bank Power Credit Card is structured around category-specific accelerators and spend thresholds:

Domestic Lounge Access: Offers None rewards.
Fuel Rewards: Offers 21 RP/Rs 150 (3.5%) + HP Pay benefits rewards.
Other Rewards: Offers 15 RP/Rs 150 (2.5%) on groceries, utilities and FASTag rewards.
Fuel Surcharge Waiver: Offers Not available rewards.
Reward Point Value / Cashback: Offers 1 RP = ₹0.25 rewards.

Important Parameters: Up to 5% fuel savings combines 3.5% card rewards with HP Pay benefits. Grocery, utility and IDFC FIRST FASTag rewards are capped by statement cycle. This card does not include a fuel surcharge waiver.

Break-Even & Value Analysis

With an ultra-low annual fee of ₹199 + GST (₹235), spending just ₹4,700 per year at HPCL fuel stations at 5% savings yields ₹235, immediately recovering the entire card fee. Spending ₹50,000 annually waives the fee.

Pros & Cons

Pros

Up to 5% fuel savings at HPCL pumps (combine 3.5% card rewards with 1.5% HP Pay app benefit).
Low joining and annual fee of only ₹199 + GST.
Accelerated rewards on utility bill payments and IDFC FIRST FASTag recharges.
Easily achievable annual fee waiver milestone of ₹50,000.

Watchouts & Cons

This card does not include an automatic fuel surcharge waiver.
To get the full 5% savings, fuel transactions must be paid via the HP Pay mobile application.
Monthly caps apply to fuel, grocery, and utility reward buckets.
No complimentary domestic airport lounge access.

CardSe Verdict

The IDFC First Bank Power Credit Card is one of the most accessible fuel cards in India. For an annual fee of just ₹199, its 5% HPCL return via HP Pay and FASTag benefits provide high value for daily budget-conscious motorists.

Editorial Independence & Affiliate Disclosure: All recommendations on CardSe are created independently by our research team. We do not accept sponsorship to promote specific cards. We may receive an affiliate commission from card networks or banks if you apply through links on our site, at no cost to you.

Detailed Card Parameters

Joining & Annual Fee	Rs 199 + GST
Welcome Benefit	Rs 250 cashback on 1st HPCL fuel transaction
Annual Fee Waiver	Rs 50,000 spend
Domestic Lounge Access	None
Spends for Lounge	-
Fuel Rewards	21 RP/Rs 150 (3.5%) + HP Pay benefits
Fuel Surcharge Waiver	Not available
Other Rewards	15 RP/Rs 150 (2.5%) on groceries, utilities and FASTag
Reward Point Value / Cashback	1 RP = ₹0.25
Notes	Up to 5% fuel savings combines 3.5% card rewards with HP Pay benefits. Grocery, utility and IDFC FIRST FASTag rewards are capped by statement cycle. This card does not include a fuel surcharge waiver.

Frequently Asked Questions

How do you get 5% fuel savings on IDFC First Bank Power?: You earn 3.5% reward points on your card plus an additional 1.5% value back in loyalty points when paying through the HP Pay app at HPCL fuel stations.
Does the IDFC First Bank Power card offer a fuel surcharge waiver?: No. The entry-level Power card does not include a fuel surcharge waiver. Cardholders rely on the 5% combined rewards to cover and surpass surcharge costs.
How do you waive the annual fee on IDFC First Bank Power?: The annual fee of ₹199 + GST is completely waived if your total retail spending in the preceding membership year reaches ₹50,000 or more.
Does IDFC First Bank Power card offer airport lounge visits?: No. The entry-level Power card does not include complimentary domestic airport lounge visits.