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 5% savings (30X reward points) on HPCL fuel and 5% savings on grocery and utility spends (both subject to monthly caps), 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 |
| Annual Fee | ₹499 + GST (reversed on ₹1,50,000 annual spend) |
| Savings on Fuel | 5% savings (30X reward points) at HPCL-authorised fuel stations, on HP Pay wallet uploads and on pay-by-QR with the card in the HP Pay app; capped at 2,400 points (₹600) per month. HP Pay adds a further 1.5% in Happy Coins |
| Savings on Grocery & Utility | 5% savings (30X) on grocery and utility spends identified by merchant category; capped at 400 points (₹100) per month (on about ₹2,000 spend) |
| Reward Points | 3X rewards (3 points per ₹150) on UPI and other spends; 1X = 1 point per ₹150; 1 point = ₹0.25; minimum transaction ₹150. Excludes HPCL fuel, utility, grocery, FASTag, EMI, cash withdrawal and insurance |
| Interest-Free ATM Withdrawals | Up to 45 days (₹199 cash withdrawal fee) |
| Welcome Voucher | ₹500 gift voucher on your first HPCL fuel transaction of ₹500 or more within 60 days of card set-up (joining fee must be paid; UPI payments excluded; voucher issued within 75 days and redeemable for 90 days via the bank’s rewards portal), plus 5% cashback up to ₹1,000 on your first EMI conversion within 30 days |
| No Expiry on Reward Points | Use them whenever you want |
| Forex Markup | Zero (nil) forex markup |
| Fuel Surcharge Waiver | 1% waiver, up to ₹200 per statement cycle |
| Lounge Access | 1 complimentary domestic lounge visit per quarter on a minimum spend of ₹20,000 in the previous calendar month |
Fuel + Utility = Daily Savings
What makes this card special is its focus on daily expenses:
- Fuel for your car/scooter? ✅ 5% savings at HPCL fuel stations (up to ₹600 a month)
- Paying utility bills or buying groceries? ✅ 5% savings (up to ₹100 a month)
- Other spends, including UPI? ✅ Earn 3 reward points on every ₹150 spent
As an illustration, if you spend ₹3,000 on HPCL fuel and ₹1,000 on grocery and utility bills in a month, that’s about ₹200 back (₹150 + ₹50). Over a year, that comes to roughly ₹2,400 in savings, not counting other perks. Actual savings depend on your spends and the monthly caps.
Additional Features – IDFC Power Plus Credit Card
- Insurance cover of ₹2 lakh for personal accident, plus complimentary roadside assistance worth ₹1,399
- Lounge access: 1 complimentary domestic lounge visit per quarter on a minimum spend of ₹20,000 in the previous calendar month (stay up to 3 hours; excess visits are chargeable)
- Dynamic spend-based interest rates from 0.75% per month; overdue interest is 3.99% per month
- Easy EMI options on large purchases, plus balance transfer (EMI processing fee 3.5%)
- Zero forex markup and a 1% fuel surcharge waiver up to ₹200 per statement cycle
Who Should Get This Card?
- Spends ₹8,000–₹12,000/month on fuel and utilities combined
- Has consistent monthly bills that fall under the 5% savings categories
- Can utilize the HPCL fuel savings
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 | Savings/Rewards |
|---|---|---|
| HPCL Fuel | ₹6,000 | ₹300 savings (5%, within the ₹600 cap) |
| Grocery & Utility Bills | ₹4,000 | ₹100 savings (5% would be ₹200, capped at ₹100) |
Apart from fuel and utility, other spends of around ₹5,000/month (UPI or cards) will generate approximately 100 reward points (3 points per ₹150), worth about ₹25
Total monthly benefit: about ₹425 (₹300 + ₹100 + ₹25), or around ₹5,100/year in savings (illustrative, using the caps above). That’s not including the welcome voucher or other offers.
Pros – IDFC Power Plus Credit Card
- High savings on daily essentials
- Reward points don’t expire
- ₹500 gift voucher on your first HPCL fuel transaction
- ATM withdrawals without interest for up to 45 days
- Annual fee reversed on ₹1,50,000 annual spend
Cons – IDFC Power Plus Credit Card
- Fuel savings limited to HPCL and capped at ₹600 a month
- Joining fee applicable (partly offset by the 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 everyday fuel and bill payers and budget-conscious earners (check eligibility on the bank’s page). 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 fee and annual fee of ₹499 (plus GST), but the annual fee is reversed if you spend ₹1.5 lakh in a year.
How does the 5% fuel saving work?
You get 5% savings (30X reward points) at HPCL-authorised fuel stations, on HP Pay wallet uploads and on pay-by-QR with the card in the HP Pay app, capped at 2,400 reward points (₹600) per month. 1 reward point is worth ₹0.25, and HP Pay adds a further 1.5% in Happy Coins.
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 45 days, with a ₹199 withdrawal fee.
What happens to unused reward points?
Reward points on this card never expire, so you can redeem them anytime.
Any fair usage conditions I should know?
From 18 January 2026, reward points are not applicable for a cycle if the minimum amount due is unpaid, and a 1% fee applies if FASTag recharges exceed ₹10,000 or railway spends exceed ₹25,000 in a cycle (the product guide also lists a 1% fee on fuel spend above ₹30,000 per cycle).
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.
What are the other Credit Cards options for me?
Note: figures are from IDFC FIRST Bank’s official documents; check the live page for any 2026 changes.
Check out all the credit cards here – Choose your credit card & fill your digital credit card application right away
