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.
What are the other Credit Cards options for me?
Check out all the credit cards here – Choose your credit card & fill your digital credit card application right away
