You can enjoy an additional savings of 1.5% by earning Happy Coins along with regular credit card savings when paying through HP Pay App at HPCL fuel stations. The HP Pay App offers two convenient ways of payment i.e. through scanning QR or wallet upload. Here is how you can save more with HP Pay App:

• You earn 6 Happy Coins per ₹100 fuel spends through HP Pay App

• When using the app to pay via QR, you get 4 Happy Coins on payment and 2 Happy Coins within the first 30 days of payment

• When using the app to pay via wallet, you earn 3 Happy Coins at the time of wallet upload, and 2 Happy Coins within the first 30 days of wallet upload and 1 Happy Coin at the time of payment.

• You can earn a maximum of 600 Happy Coins in a month with a max spend capping of ₹10,000.

Fuel is not cheaper with a Fuel Card. However, the spends done on fuel with a Fuel Card brings savings through accelerated Reward Points. With the FIRST Power and FIRST Power+ Credit Cards, you can earn 21X and 30X Reward Points on fuel spends done at HPCL outlets.

To be eligible for a FIRST Power Credit Card, you must have an annual income of ₹ 3 Lacs or more

_{*Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.}

Yes, there is. If you have a FIRST Power+ Credit Card, you will receive a ₹500 Gift Voucher on your first HPCL fuel transaction of ₹500 or more, made within 30 days of card generation. 

For the FIRST Power Credit Card, you will get a ₹250  Gift Voucher on your first HPCL fuel transaction of ₹250 or more, made within 30 days of card generation.

Please note: The joining offer is valid only if the joining fee has been paid in full.

You can currently link your FIRST Power and Power+ Credit Card with all UPI apps, including BHIM, PhonePe, Paytm, Google Pay, Freecharge, Slice, CRED, and Mobikwik. You can link your credit card to your preferred app in one click by scanning the QR code on this click: https://www.idfcfirstbank.com/credit-card/rupay-credit-card/steps-to-activate

To set your UPI PIN:

• Select your IDFC FIRST Bank Credit Card from the linked credit card accounts on your UPI app

• Choose the ‘Set UPI PIN’ option

• Enter the last 6 digits of your credit card and the expiry date

• Follow the steps shown to complete the setup

Once your card is linked:

• Open your preferred UPI app

• Tap ‘Scan’ to scan the QR code

• Enter the amount

• Select your FIRST Power or Power+ Credit Card from the payment options

• Authenticate the transaction using your UPI PIN

You’ll receive a confirmation once the payment is successfully processed.

Yes, you can change the UPI pin of your FIRST Power or Power+ Credit Card account by selecting ‘Change UPI PIN’ option present on your UPI applications.

If you change your mobile number:

• First, update your new number in your credit card account with IDFC FIRST Bank

• Then, re-register your card on your preferred UPI app using the updated number.

No. Payments from your linked FIRST Power or Power+ Credit Card are allowed only to merchants (P2M transactions), not to individuals or other credit card accounts.

Yes, payments are restricted for the following categories:

• Peer-to-peer (P2P) and peer-to-peer-merchant (P2PM) transfers

• Digital account opening

• Lending platforms

• Cash withdrawals (at merchants or ATMs)

• e-RUPI, IPO applications, foreign inward remittances, mutual funds

• And any other categories restricted by the National Payments Corporation of India (NPCI)

Yes, you can pay your credit card bill via UPI using your linked savings account. For recurring payments, you can also set up UPI AutoPay.

Currently, only IDFC FIRST Bank Credit Cards powered by RuPay can be linked on UPI.

Yes.

• You can transact up to ₹1 lakh per day

• For specific merchant categories (MCCs), the limit may go up to ₹2 lakh per day

• During the first 24 hours after linking your card, the daily transaction limit is ₹5,000
All transactions are also subject to the available credit limit on your card.

No, you will not be charged for linking or carrying out any transaction from the linked Credit Card on UPI.

No, credit cards cannot be set as the default option to receive incoming UPI payments.

IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for Joining fee payment, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee, before committing to our credit card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.

You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.

For FIRST Power+ - You can pay the Joining Fee of ₹499+GST by clicking here

For FIRST Power - You can pay the Joining Fee of ₹199+GST by clicking here

On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.

Once your FIRST Power+/Power Credit Card application is approved, Joining Fee payment of ₹499+GST for FIRST Power+ and ₹199+GST for FIRST Power is required to get the credit card dispatched.

To pay the Joining Fee,

FIRST Power+ click here

FIRST Power click here

As per the process, Joining Fee payment is required to activate your digital card and dispatch of the card.

On card application approval, you will receive communication to pay the Joining Fee.

To pay the Joining Fee now,

FIRST Power+ click here

FIRST Power click here

Once the Joining Fee is paid, please make sure that you have enabled online (E-comm/Online) transactions on the card. To enable online transactions, please click here 

The FIRST Power+ is a Fuel Credit Card  specifically designed for individuals who spend significantly on fuel, groceries, and utilities. It offers up to ₹18,500 in annual savings, which is equivalent to over 175 litres of fuel cost. With lifestyle privileges, fuel savings   with  enhanced reward points, the FIRST Power+ Card is ideal for those who live life in the fast lane.

With the FIRST Power+ Fuel Credit Card, you can:

• Get up to 6.5% savings on fuel spends at HPCL pumps, contributing to an annual savings of up to ₹18,500 which is enough to buy 175 litres of fuel. Enjoy 5% rewards on grocery & utility bills and 5% rewards on an IDFC FIRST Bank FASTag recharge. Additionally, earn 3X Rewards on other retail spends for comprehensive savings.

• Enjoy welcome benefits worth ₹2,500: ₹500 gift voucher on 1st HPCL fuel transaction of ₹500 or more, 5% cashback on your 1st EMI conversion (up to ₹1,000), and exciting merchant offers worth ₹1,000

• Avail complimentary domestic airport lounge access, once per quarter (on ₹20,000 monthly spends)

• Get 25% off on movie tickets (up to ₹100 per month) and complimentary roadside assistance worth ₹1,399.

• Secure yourself with a personal accident cover of ₹2 lakh and lost card liability cover of ₹25,000.

• Dynamic interest rates starting at 8.5% p.a. and 0% interest on ATM cash withdrawals until the due date with just a cash withdrawal fee of ₹199 +GST for every transaction.

The  FIRST Power+ credit card comes with a joining fee of ₹499 + GST and same as the annual fee thereafter. The annual fee is waived off on spending ₹150,000 or more in the previous year.

FIRST Power Credit Cards levy a joining/annual fee of ₹199 + GST. The annual fee is waived off on a yearly spending of ₹50,000 in the previous year. 

To be eligible for the  FIRST Power+ Credit Card, you should:

• Be an Indian resident

• Be at least 21 years old (salaried) or 25 years old (self-employed)

• Have a stable monthly income

• Hold a good credit score

• Meet IDFC FIRST Bank’s internal credit policies

IDFC FIRST Bank’s FIRST Power+ Credit Cards do not offer surcharge benefits on fuel purchases. However, they come with the industry’s best savings rewards on fuel expenses, offering 30X rewards for every ₹150 spend with the FIRST Power+ Credit Card and 21X reward for every ₹150 spend with the FIRST Power Credit Card. Thus, offering savings that surpass the fuel surcharge waiver benefits.

With the FIRST Power+ Credit Card, you can earn up to 6.5% savings as rewards on your fuel expenses. Offering annual savings of up to ₹18,500 which is enough to buy 175+ litres of fuel annually.

With the FIRST Power Credit Card, the fuel savings are up to 5%, and you get ₹250  gift voucher on your first HPCL transaction of ₹250 or more, with a total yearly savings potential of up to ₹7,000.

Fuel credit cards like the IDFC FIRST Power and Power+ Credit Cards offer benefits tailored to high-frequency vehicle users:

• eEnhanced Rewards on fuel, utility, FASTag, and grocery spends

• Travel and lifestyle, entertainment privileges

• Complimentary roadside assistance

• Purchase protection and card security

These advantages go beyond regular credit cards by aligning rewards with your mobility expenses.

A fuel credit card is focused on providing benefits for fuel-related transactions, including bonus rewards at partner fuel stations. For instance:

• IDFC FIRST Bank’s FIRST Power+ gives up to 6.5% fuel savings

• Regular credit cards typically offer lower or no rewards for fuel spends

Moreover, fuel cards for IDFC FIRST Bank offer added perks such as FASTag rewards, and road assistance, which regular cards may not.

A credit score of 730 or above is typically recommended to increase your chances of approval for the FIRST Power+ Fuel Credit Card. However, approval also depends on other criteria such as income, repayment history, and existing liabilities.

If you frequently refuel at HPCL fuel stations, the IDFC FIRST Power+ Credit Card is highly recommended:

• Up to 6.5% fuel savings with the FIRST Power+ Credit Card

• ₹500 Gift voucher on first HPCL Fuel transaction of ₹500 and above

• FASTag, groceries, and utility rewards

• Lifetime-free with premium privileges

BPCL and IOCL co-branded cards may offer similar benefits at their respective outlets, but the holistic lifestyle and mobility savings offered by FIRST Power+ are more comprehensive and versatile.

Fuel credit cards like IDFC FIRST Bank’s FIRST Power and Power+ Credit Cards are optimal for spending at HPCL fuel stations as it pays you back with reward points. While these cards may work at other petrol pumps, the reward benefits apply only at HPCL outlets.

Yes, IDFC FIRST Bank allows you to extend an Add-on card to your family member. This helps boost your combined savings and gives your add-on cardholder access to most card benefits. Existing customers can also apply separately for a new fuel card if they qualify.

Both FIRST Power+ and Power Fuel Cards offer extensive rewards on non-fuel spends:

• FIRST Power+: 5% on groceries & utility bills, 5% on FASTag, 3X rewards on all other retail spends

• FIRST Power: 2.5% on groceries & utility, 2.5% on FASTag, 2X rewards on retail spends

This makes them highly versatile for everyday usage, not just for refuelling.

Rewards earned through the IDFC FIRST POWER+ fuel cards can be redeemed via the IDFC FIRST Bank app or internet banking portal. You may need to pay a redemption charge of ₹99 + GST. Redemption is simple, transparent, and adds value to every rupee you spend.