The IDFC FIRST Power Plus Credit Card is the stronger sibling of the Power card. For ₹499 + GST a year, it offers up to 6.5% back on HPCL fuel, up to 5% on groceries, utility bills and FASTag, zero forex markup, a quarterly lounge visit and a monthly movie discount. If your household spends steadily on fuel and bills, it is one of the better-value fuel cards around.
How the rewards work
| Where you spend | What you earn | Value back |
|---|---|---|
| HPCL fuel (authorised stations) | 30 Reward Points per ₹150 | Up to 5% |
| Extra when paying via HP Pay app | 6 Happy Coins per ₹100 | About 1.5% more |
| Groceries, utility bills, IDFC FIRST FASTag | 30 Reward Points per ₹150 | Up to 5% |
| Other UPI and retail spends | 3 points per ₹150 (3X) | Not stated |
Good to know: the 6.5% fuel figure assumes you pay through the HP Pay app at HPCL. Pay another way and you still earn up to 5%. The scraped details do not list monthly caps.
What you would actually save
Spend ₹5,000 a month on HPCL fuel through HP Pay and ₹6,000 on groceries and bills. At the stated rates that is up to ₹325 + ₹300 = ₹625 a month, or about ₹7,500 a year. Your ₹1.3 lakh of annual spend in those categories, plus anything else on the card, should take you past the ₹1.5 lakh waiver threshold.
Other benefits
- Welcome: ₹500 cashback on your first HPCL fuel transaction of ₹500+ within 30 days, 5% cashback (up to ₹1,000) on your first EMI conversion, and merchant offers worth up to ₹1,000.
- Lounge: 1 domestic airport lounge visit per quarter when you spend ₹20,000+ in the current calendar month.
- Movies: 25% off ticket bookings, up to ₹100 a month, after at least one transaction in the previous month.
- Insurance: personal accident cover of ₹2,00,000 and lost card liability cover of ₹25,000.
Fees and charges
| Joining fee | ₹499 + GST |
|---|---|
| Annual fee | ₹499 + GST from the second year |
| Annual fee waiver | Spend ₹1,50,000 in the preceding year |
| Forex markup | 0% |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹25,000 a month |
| Income (self-employed) | ₹5,00,000 a year |
| Credit score | 720 or above |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-sized photograph
How to apply
- Tap Apply on IDFC FIRST Bank site on this page to open the official credit card application.
- Enter your details in one session, using the mobile number linked to your Aadhaar for OTP checks.
- Complete video KYC when prompted, ideally from your current address.
- Once the card is issued, set it up in the IDFC FIRST app and make your first transaction to unlock the welcome benefits.
Who should get it, and who shouldn’t
Get it if you fill up at HPCL, pay household bills by card and spend ₹12,500 or more a month in total. The fee then pays for itself many times over.
Skip it if you rarely drive or fill up at other fuel brands. The cheaper IDFC FIRST Power, or a general cashback card, will suit lighter spenders better.
