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IDFC FIRST Bank · Mid

FIRST Power+

Where it ranks across all 187 cards
#34 Utility bills 1.0% direct #94 Groceries 1.0% direct #25 Fuel 0.5% direct
#47 Wallet load 0.5% direct #53 EMI 0.5% direct #66 Insurance 0.5% direct #69 Education 0.5% direct #99 Jewellery & watches 0.5% direct #103 Gaming 0.5% direct #112 Mobile / broadband 0.5% direct #121 Train tickets 0.5% direct #128 Cabs & transit 0.5% direct #134 Health & pharmacy 0.5% direct #137 Other 0.5% direct #138 Electronics 0.5% direct #139 Flights 0.5% direct #139 Hotels 0.5% direct #141 Movies & events 0.5% direct #144 Online shopping 0.5% direct #144 Fashion 0.5% direct #145 Food delivery 0.5% direct #146 Dining out 0.5% direct
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Engine value - conservative, what rankings use
₹0.25/pt
0.50%
Bank travel portal
₹0.25/pt
0.50%
Vouchers / catalogue
₹0.25/pt
0.50%
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.50%base rate
3 pts / ₹150
source
Source: FIRST Power+ Credit Card (HPCL) - idfcfirstbank.com - read 25 Sep 2026
30 points per ₹150 at HPCL pumps
5.00%this rule
30 pts / ₹150
2,400 Reward Points per month
how it works & source
Cap figure (2,400 Reward Points = Rs 600/month) is from the FIRST Power+ Product Guide PDF; only at HPCL authorized fuel stations, HP Pay wallet upload or Pay by QR in HP Pay app.
Source: FIRST Power+ Credit Card (HPCL) - idfcfirstbank.com - read 25 Sep 2026
30 pts / Rs 150 on grocery and utility spends
5.00%this rule
30 pts / ₹150
400 Reward Points per month
how it works & source
Cap figure (400 Reward Points = Rs 100/month) is from the FIRST Power+ Product Guide PDF; Grocery & Utility classified basis Merchant Category Codes received in transaction data.
Source: FIRST Power+ Credit Card (HPCL) - idfcfirstbank.com - read 25 Sep 2026
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
₹500 / year
Rs 500 worth Gift Voucher on 1st HPCL fuel transaction of Rs 500 or above, within 30-60 days of card set-up depending on issue date (one-time welcome benefit, not recurring). Footnote: cards set up before 9 Jun 2025 get this as cashback instead of a voucher.
₹500estimated value
Earns nothing on0 exclusions
Rare. No published exclusions on record for this card (EMI aside).
₹500 gift voucher on the 1st HPCL fuel transaction
on joining · spend ₹500 or more on HPCL fuel within 60 days of card set-up; only cardholders who paid the joining fee are eligible
Source: IDFC FIRST Bank - FIRST Power+ card page - idfcfirst.bank.in - read 11 Oct 2026
₹500value
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
District by Zomato
25% off up to ₹100 on movie tickets, once a month, when you stay spend-active with any transaction in the previous calendar month
Source: IDFC FIRST Bank - FIRST Power+ card page - idfcfirst.bank.in - read 11 Oct 2026
25%up to ₹100 a month
Rent
IDFC FIRST rent fee 1% + GST (minimum ₹249)
1%
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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