# IDFC FIRST Power (HPCL)

IDFC First Bank · RuPay. ₹199 fee · 0% forex · 2 RP/₹150 other retail, uncapped; FASTag 15X is IDFC-app-only.

✓ official · checked 16 July 2026 · Source: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Savings-Maximiser-FIRST-Power-001.pdf

## How it earns (3)

- 2 RP/₹150 other retail, uncapped; FASTag 15X is IDFC-app-only · ✓ official · checked 10 July 2026
- 21 RP/₹150 (3.5%) on HPCL fuel, cap 700 RP/cycle (₹5,000 HPCL spend) · select HPCL outlets only · cap 700 points per statement cycle · ✓ official · checked 10 July 2026
- 15 RP/₹150 (2.5%) grocery + utility, cap 400 RP/statement cycle · cap 400 points per statement cycle · ✓ official · checked 16 July 2026

## On gift vouchers

- ₹33 back on a ₹10,000 voucher bought direct. · 2 RP/₹150 other retail, uncapped; FASTag 15X is IDFC-app-only
- Vouchers for Acko Insurance and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No RP: insurance, non-HPCL fuel

## Fees

- Annual fee: ₹199 + GST
  Waived at ₹50,000 spend per card year
- Forex markup: Nil
- DCC markup: Nil
- Earns: IDFC First Reward Points · ₹0.25 a point at baseline
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (2)

- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)
- Devaluation · 18 June 2026: IDFC First HPCL Power+ in-app travel bonus was cut (https://getbrief.cards/changes#idfc-power-plus-deval-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/idfc-power