How does the 6.5% savings breakdown work on IDFC Power+?

You earn 5% value back as reward points on your IDFC FIRST credit card plus 1.5% back as Happy Coins in the HP Pay app when transacting at HPCL fuel stations.

What is the monthly cap on fuel rewards on IDFC Power+?

The 5% card reward points on HPCL fuel purchases are capped at ₹400 worth of reward points per monthly statement cycle.

Does IDFC Power+ include Roadside Assistance?

Yes. The card includes a complimentary 24x7 Roadside Assistance (RSA) package worth ₹1,399, covering towing, flat tires, and emergency fuel delivery.

How do you unlock lounge access on IDFC First Power+?

You receive 1 complimentary domestic airport lounge access per calendar quarter upon spending ₹20,000 or more on the card in the preceding calendar month.

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: 4.6 / 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 daily motorists and highway drivers who refuel at hpcl pumps and spend consistently on grocery shopping, utility bills, and fastag recharges. it features a joining fee structure of ₹499. 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:

Lounge Spend Condition: Lounge access is subject to spending ₹20K in prev month in the preceding cycle.
Domestic Lounge Access: Offers 4 Access/year (Max 1/quarter) rewards.
Fuel Rewards: Offers 30 RP/Rs 150 (5%) + HP Pay benefits rewards.
Other Rewards: Offers 30 RP/Rs 150 (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 6.5% fuel savings combines 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 annual fee of ₹499 + GST (₹589), spending ₹9,100 per year (under ₹800/month) at HPCL petrol pumps at 6.5% savings yields ₹591, easily recouping the annual fee. Spending ₹1.5 Lakh in a year waives the renewal fee entirely.

Pros & Cons

Pros

Up to 6.5% total fuel savings at HPCL pumps (5% card rewards + 1.5% HP Pay app benefit).
5% rewards on grocery shopping, utility bill payments, and IDFC FIRST FASTag recharges.
Complimentary Roadside Assistance (RSA) service package worth ₹1,399.
1 complimentary domestic airport lounge visit per calendar quarter upon meeting monthly spend threshold (₹20,000 in preceding month).
3X rewards on all other retail spending.

Watchouts & Cons

5% card fuel reward points are capped at ₹400 value per monthly statement cycle.
Card does not include a direct fuel surcharge waiver on card swipe (savings are delivered via HP Pay rewards).
Full 6.5% savings strictly requires scanning and paying via the HP Pay mobile application.
Requires ₹20,000 spend in the previous month to activate airport lounge access.

CardSe Verdict

The IDFC First Bank Power+ Credit Card is a standout hybrid fuel and household card. Delivering up to 6.5% fuel savings at HPCL along with 5% on utilities and FASTag recharges, complimentary roadside assistance, and airport lounge access, it offers exceptional value for Indian car owners.

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 499 + GST
Welcome Benefit	Rs 500 cashback on 1st fuel transaction
Annual Fee Waiver	Rs 1.5 Lakh spend
Domestic Lounge Access	4 Access/year (Max 1/quarter)
Spends for Lounge	₹20K in prev month
Fuel Rewards	30 RP/Rs 150 (5%) + HP Pay benefits
Fuel Surcharge Waiver	Not available
Other Rewards	30 RP/Rs 150 (5%) on groceries, utilities and FASTag
Reward Point Value / Cashback	1 RP = ₹0.25
Notes	Up to 6.5% fuel savings combines 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 does the 6.5% savings breakdown work on IDFC Power+?: You earn 5% value back as reward points on your IDFC FIRST credit card plus 1.5% back as Happy Coins in the HP Pay app when transacting at HPCL fuel stations.
What is the monthly cap on fuel rewards on IDFC Power+?: The 5% card reward points on HPCL fuel purchases are capped at ₹400 worth of reward points per monthly statement cycle.
Does IDFC Power+ include Roadside Assistance?: Yes. The card includes a complimentary 24x7 Roadside Assistance (RSA) package worth ₹1,399, covering towing, flat tires, and emergency fuel delivery.
How do you unlock lounge access on IDFC First Power+?: You receive 1 complimentary domestic airport lounge access per calendar quarter upon spending ₹20,000 or more on the card in the preceding calendar month.