Yes, UPI on Credit Card facility is available on FIRST Power and FIRST Power+ Credit Cards. You can now scan any UPI enabled QR code and pay using FIRST Power/ FIRST Power+ Credit Card.

You just have to ensure that you have linked your IDFC FIRST Bank FIRST Power / FIRST Power+ Credit Card to the UPI app being used by you. UPI apps BHIM, PhonPe, PayTm, Gpay, Freecharge, Slice, Cred & Mobikwik are currently available for this facility.

You can use the FIRST Power and FIRST Power+ like any other credit card. These cards get you extra savings as rewards on HPCL fuel credit card payments, grocery & utility and other everyday expenses.

You can apply for FIRST Power / FIRST Power+ Credit Card, if you meet the eligibility criteria below*:

•  You must be at least 21 years old

• You must be an Indian citizen

• You must have a healthy credit score

• Your credit usage ratio must be within an acceptable level

• You must have an Annual Income of ₹3 lacs or more

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

You will be eligible to apply only for FIRST Power+ credit card if you already hold any of IDFC FIRST Bank Credit Cards.

However the credit limit is shared with all of your existing IDFC FIRST Bank Credit Cards if any.

A separate statement will be generated for your new credit card as per the applicable statement date. Please ensure to make the payment as per the statement.

You can apply for the HPCL fuel credit card on IDFC FIRST Bank website online and IDFC FIRST Mobile Banking App. You can also visit your nearby IDFC FIRST Bank branch and apply.

The HPCL Fuel Credit Card has two variants – FIRST Power and FIRST Power+. You can opt for any one of these variants, depending on your needs.

With the FIRST Power+ Credit Card, for every ₹150 spent, you earn 30X Reward Points on HPCL fuel spends , Grocery & Utility and IDFC FIRST FASTag recharge and 3X Reward Points on UPI and other retail transactions subject to terms & conditions. Similarly, with the FIRST Power Credit Card, for every ₹150 spent, you earn 21X Reward Points on HPCL fuel spend , 21X Reward Points on Grocery & Utility and IDFC FASTag recharge and 2X Reward Points on UPI and other retail transactions, subject to terms & conditions. Additionally, on both these variants, you also earn 6 Happy Coins  for every ₹100 spend  through HP Pay App.

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.

Eligibility* : 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, ₹500 benefit# on 1st HPCL fuel transaction of ₹500 or above is applicable for FIRST Power+ & ₹250 benefit# on 1st HPCL fuel credit card transaction of ₹250 or above is applicable for FIRST Power. Joining offer will only be applicable for cardholders who have paid the joining fee in full.

#Please note- For cards set-up till June 9, 2025, the benefit is given as cashback and is applicable till 30 days of card set-up. For cards setup June 10, 2025, onwards, the benefit is given as gift voucher and is applicable till 60 days of card set-up.

Currently, you can link your FIRST Power & Power+ Credit Card on select UPI applications such as – BHIM, PhonePe, PayTm, Gpay, Freecharge, Slice, Cred & Mobikwik.

Please select the IDFC FIRST Bank Credit Card from the linked credit card accounts, select set UPI Pin option from the dropdown. Enter last 6 digits of your FIRST Power/ Power+ Credit Card number, enter the expiry date, follow steps to complete the journey.

Once you have linked your FIRST Power or Power+ Credit Card on your preferred UPI app, click on ‘Scan’ to scan QR code, enter the amount, select FIRST Power/Power+ Credit Card from dropdown menu and authenticate your payment using UPI PIN. One the payment is completed, payment confirmation will be displayed

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.

Update your new mobile number on your FIRST Power or Power+ Credit Card account. Once updated, re-register the credit card on your preferred UPI apps.

No, only payments to merchant (P2M) will be allowed from the linked FIRST Power or Power+ Credit Card.

Categories – P2P (peer-to-peer), P2PM (peer-to-peer-merchant) digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, e-RUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by National Payment Corporation Of India (NPCI).

Yes, Credit Card bill payment can be done through the linked savings account from the UPI App. For recurring bill payments, you can register for UPI AutoPay

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

The amount limit per card can be up to ₹1 lakh per day and ₹2 lakh for some special MCC codes, however it will be subject to the available credit limit on your card. Please note that the amount limit per day per card is ₹5,000 for the first 24 hours of linking the card on your preferred UPI app.

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

Credit Cards cannot be made a default option to receive funds

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