IDFC FIRST Bank FIRST Power Credit Card (HPCL)

IDFC FIRST Bank · Open to apply

The cheaper HPCL fuel co-brand (₹199 a year). It pays 21 points per ₹150 (3.5%) on HPCL fuel up to ₹5,000 a statement cycle plus 1.5% in HP Pay Happy Coins, 15 per ₹150 (2.5%) on a small slice of grocery, utility and FASTag spend, and 2 per ₹150 (about 0.33%) on everything else including UPI.

Annual fee
₹199 + GST a year
Joining fee
₹199 + GST
Fee waiver
Annual fee waived on ₹50,000 spend per card year
Base rate
Other retail spends, 2X (2 points per ₹150): 2 IDFC FIRST Bank reward points per ₹150 (about 0.33% at cash value)
Lounges
None on record
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Hotels booked in the IDFC FIRST app, 26.67% bonus points (40 points per ₹150): 40 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 6.67% at cash value)
  • HPCL fuel, 21X (21 points per ₹150, 3.5%): 21 IDFC FIRST Bank reward points per ₹150 (about 3.5% at cash value)
  • Flights booked in the IDFC FIRST app, 13.33% bonus points (20 points per ₹150): 20 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 3.33% at cash value)
  • Grocery and utility, 15X (15 points per ₹150, 2.5%): 15 IDFC FIRST Bank reward points per ₹150 (about 2.5% at cash value)
  • IDFC FIRST FASTag recharge, 15X (2.5%): 15 IDFC FIRST Bank reward points per ₹150 (about 2.5% at cash value)

Earns nothing on

  • No points on insurance, non-HPCL fuel, EMI and ATM cash
  • No HPCL fuel points on UPI

Where the sources disagree

  • Window for the welcome fuel transaction: The product page's welcome terms and the welcome-offer PDF give 60 days from card set-up for cards set up from 10 June 2025; the page's FAQ says "made within 30 days of card generation". We use the 60 days of the offer terms.

Terms the calculator does not value

  • The app travel bonus percentages are read as points per rupee of spend (26.67% = 40 points per ₹150), the basis the app T&C uses for the base ("up to 1.3%" = 2 points per ₹150). If the bank meant a percentage of the base points, the bonus is far smaller.
  • From 18 January 2026 no points are earned for a billing cycle in which the minimum amount due is not paid by the due date; points already posted are reversed.
  • From 18 June 2026 points are earned only on spends up to the credit limit in a billing cycle. The calculator does not know the credit limit and applies no cap.
  • The welcome benefits are advertised as "worth ₹2,250": the ₹250 fuel voucher, the 5% EMI cashback up to ₹1,000 and merchant offers "worth ₹1,000+". Only the fuel voucher is valued.
  • HPCL fuel earn depends on HPCL's merchant ID list; points are not credited at a station whose ID is not on it. The calculator assumes a listed station.
  • Happy Coins are valued at ₹0.25 each and counted only when the HP Pay route is switched on, because they need payment through the HP Pay app. Their redemption route is HPCL's.

Sources

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