IDFC FIRST Power Credit Card
IDFC · RUPAY★ 4.1/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
5% on Fuel
Up to 5% value on BPCL fuel via FIRST Power
1% on Other
1% base value on other spends
Annual Fee Waiver
Fee of ₹199/yr fully waived when you spend ₹50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹200/month
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
⛽ FUEL BENEFITS
Co-branded card — maximum savings at BPCL stations.
Up to 5%
Fuel reward rate
1%
Surcharge waiver
₹200
Waiver cap/month
PARTNER FUEL STATIONS
- Co-branded card — maximum rewards at BPCL fuel stations
- Up to 5% effective return on fuel purchases
- 1% fuel surcharge waiver at all fuel stations
IDFC FIRST Power is a co-branded fuel and utility card for IDFC FIRST bank customers — earns reward points on BPCL fuel and everyday utility bill payments. Positioned as a starter card for IDFC FIRST account holders.
Who is this for?
For IDFC FIRST account holders who want a low-cost card that rewards fuel and utility spends.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Fuel | reward points | 5% | ₹1,500 |
| Other | reward points | 1% | — |
Fuel: Up to 5% value on BPCL fuel via FIRST Power · Bharat Petroleum (BPCL)
Other: 1% base value on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Best for: IDFC FIRST account holder who fuels at BPCL, Low-fee entry card for IDFC customers wanting fuel rewards, UPI digital payment user in the IDFC ecosystem, Fuel card in a multi-card wallet for BPCL users
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Fuel (5% back).
Pros
- Earns IDFC reward points on BPCL fuel purchases
- Very low ₹199 annual fee (waived at ₹50K spend)
- RuPay UPI-linked for everyday digital payments
- Good companion card for IDFC FIRST account holders who also fuel at BPCL
Cons
- BPCL Octane (SBI) earns significantly more at BPCL — 7.25% vs this card's ~5%
- Not a dedicated fuel card — best treated as a bank relationship card with fuel bonus
- Reward earn outside BPCL is ordinary
- Only useful if you specifically bank with IDFC and fuel at BPCL
Eligibility & documents
What your idfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Never-expiring points
The concern
BPCL SBI Octane earns roughly double on the same pumps — this card wins only on fee and existing-relationship convenience.
Bottomline
CardAdvisor Rating: 4.1 / 5A serviceable fuel-and-bills starter for IDFC account holders on the BPCL side of the street. It does its narrow job; the SBI Octane simply does the same job better if you can justify its fee.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the IDFC FIRST Power Credit Card are taken from IDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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