IDFC FIRST Power+
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Power+ is a paid card focused on fuel savings, reward points and airport lounge access, charging ₹499 annually before GST.
CardIQ editorial view
Our take
IDFC FIRST Power+ is a paid card focused on fuel savings, reward points and airport lounge access, charging ₹499 annually before GST.
Who it suits
- People who prioritise fuel savings.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 30 points per ₹150 on eligible HPCL fuel purchases.
- 1 domestic lounge visit per quarter requires ₹20,000 qualifying monthly spend.
Trade-offs to understand
- Fuel reward caps apply; HP Pay benefits have separate spend and redemption rules.
- Accelerated grocery, utility and FASTag rewards have monthly category limits.
- 1 domestic lounge visit per quarter requires ₹20,000 qualifying monthly spend.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 30 points per ₹150 on eligible hpcl fuel purchases valuable enough to clear the fee. Factor in this condition: Fuel reward caps apply; HP Pay benefits have separate spend and redemption rules.
Compare before deciding
- IndianOil Axis Bank Premium — A higher-fee option to compare for broader benefits around reward points and airport lounge access.
- BPCL SBI Card OCTANE — A higher-fee option to compare for broader benefits around reward points and airport lounge access.
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Benefits, limits and conditions
- Fuel reward caps apply; HP Pay benefits have separate spend and redemption rules.
- Accelerated grocery, utility and FASTag rewards have monthly category limits.
- 1 domestic lounge visit per quarter requires ₹20,000 qualifying monthly spend.