Looking for a credit card that puts money back in your pocket every time you pay your utility bills or refuel your bike? If you’re someone who spends a lot on fuel and utility bills every month — say ₹10,000 or more — the IDFC FIRST Power Plus Credit Card is built just for you. Whether you’re a field executive, a delivery partner, or a small business owner running daily errands, this card rewards you where your money is going anyway.
With up to 5% cashback on HPCL fuel (via HP Pay) and 3% on utility payments, this is one of the rare credit cards in India that focuses on essential, recurring expenses — not just luxury or travel.
Key Benefits of IDFC FIRST Power Plus Credit Card
| Feature | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Renewal Fee | ₹499 (waived on ₹1,25,000 annual spend) |
| Cashback on Fuel | 5% cashback at HPCL pumps via HP Pay app |
| Cashback on Utilities | 3% cashback on electricity, water, gas, broadband, DTH |
| Reward Points | 3X on online, 1X on offline (₹150 = 3 points) |
| Interest-Free ATM Withdrawals | Up to 48 days |
| Welcome Voucher | ₹500 Amazon voucher on first spend within 30 days |
| No Expiry on Reward Points | Use them whenever you want |
Fuel + Utility = Daily Savings
What makes this card special is its focus on daily expenses:
- Fuel for your car/scooter? ✅ 5% cashback at HPCL
- Paying electricity or broadband bill? ✅ 3% cashback
- Shopping online or at local stores? ✅ Earn points on every ₹150 spent
If your monthly fuel and utility bill is around ₹4,000, that’s ₹150–₹200 back every month. Over a year, you’re easily looking at ₹2,000+ in cashback, not counting other perks.
Additional Features – IDFC Power Plus Credit Card
- Insurance cover for lost card, purchase protection, and accidental death
- Lounge access with premium variant (check latest terms)
- Dynamic spend-based interest rates from 0.75% to 3.5% per month
- Easy EMI options on large purchases
Who Should Get This Card?
- Spends ₹8,000–₹12,000/month on fuel and utilities combined
- Has consistent monthly bills that fall under cashback categories
- Can utilize the HP Pay fuel cashback
Meet Arjun, a Small Business Owner
Arjun runs a courier service in Nagpur. His team delivers parcels across the city, and his monthly expenses are substantial — especially on fuel and bills.
Here’s what his monthly spend looks like:
| Category | Monthly Spend | Cashback/Rewards |
|---|---|---|
| Fuel via HP Pay | ₹6,000 | ₹300 cashback (5%) |
| Utility Bills | ₹4,000 | ₹120 cashback (3%) |
Apart from fuel and utility – Online Shopping of around ₹5,000/month will generate approximately 100–150 reward points
Total monthly benefit: ₹400–₹450, or around ₹5,000/year in pure savings. That’s not including the welcome voucher or other offers.
Pros – IDFC Power Plus Credit Card
- High cashback on daily essentials
- Reward points don’t expire
- Free ₹500 voucher as welcome gift
- ATM withdrawals without interest for 48 days
- Waiver on renewal fee with decent usage
Cons – IDFC Power Plus Credit Card
- Cashback limited to HPCL only, and through HP Pay
- Joining fee applicable (but made up for by welcome voucher)
- Not ideal for travel or luxury-focused spending
The IDFC FIRST Power+ Credit Card is a smart, utility-focused card that fits right into the lives of students, young professionals, and budget-conscious earners. If you’re looking to save money on everyday spends without a hefty annual fee, this one is worth considering.
And the best part? You can apply for this card easily through PickMyWork’s platform — and even earn by referring it to others!
How to Apply via PickMyWork
- Sign up on PickMyWork
- Choose ‘IDFC Power Plus’ in the app
- Apply or refer others
- Earn commission on each approved application
Apply now or start referring on PickMyWork App – Download Link – Android, iPhone
FAQs – IDFC Power Plus Credit Card
Is the IDFC Power Plus Credit Card free for life?
No, it has a joining and renewal fee of ₹499, but the renewal fee is waived on ₹1.25 lakh annual spend.
How does the 5% fuel cashback work?
You get 5% cashback at HPCL fuel pumps, but only if you pay through the HP Pay app using your card.
Any other credit card from IDFC if I use less fuel?
Yes, you should totally consider the IDFC First Wealth Credit Card. Apply Here. Know more, here.
Can I withdraw cash using this card?
Yes, IDFC FIRST allows interest-free ATM withdrawals for up to 48 days.
What happens to unused reward points?
Reward points on this card never expire, so you can redeem them anytime.
Can I apply for this card through PickMyWork?
Yes! You can sign up for the Power+ Credit Card and other top cards via the PickMyWork app and even earn by helping others apply.
