By Kartik Kanwar
Updated On January 9, 2024

IDFC FIRST Bank has a wide range of credit cards, each with its own unique benefits, whether it is lifetime free credit cards or popular RuPay Credit Cards. IDFC Bank currently has two RuPay Credit Cards – FIRST Power Credit Card and FIRST Power Plus Credit Card. Both these cards come with a bunch of benefits and rewards. These cards are highly beneficial for transactions of fuel. So, if you are a vehicle enthusiast, this card would offer you a lot of rewards.

RuPay Credit Cards were developed by NCPI and are highly promoted in India by the government. As this card is developed and managed domestically, it offers a wide variety of benefits to its users at nominal fees and charges. The unique feature of RuPay Credit Cards is that they can be used on the UPI network. This ensures that cardholders earn great discounts and cashback even on their daily essential spends.

Read on more to learn about the RuPay Cards offered by IDFC Bank.
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Table of Contents

List of Top IDFC Bank RuPay UPI Credit Cards

Given below is the list of all the RuPay Cards offered by IDFC Bank.

IDFC HPCL First Power Plus Credit Card

(4.7/5)

Fees

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

Up to Rs. 500 cash back on your 1st HPCL fuel transaction above Rs. 500 and up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI.

First-power

(4.6/5)

Fees

Joining Fee

Rs. 199 + GST

Renewal Fee

Rs. 199 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

NA

Compare Top Features of IDFC Bank RuPay Credit Cards

Features IDFC HPCL FIRST Power Credit Card IDFC HPCL First Power Plus Credit Card
Joining/Renewal Fee ₹199 + GST ₹499 + GST
Best Suited For Fuel Fuel
Annual Fuel Savings ₹7,000 ₹18,500
Domestic Lounge Access N/A Once Every Quarter
International Lounge Access N/A N/A
Rewards Rate
  • Save up to 5% on your fuel spends.
  • Save 2.5% as rewards on your utility and grocery expenses.
  • 2.5% as rewards on your IDFC FASTag recharge. 
  • 2x rewards on all other retail spends.
  • Save up to 5% as rewards on grocery and utility expenses of up to Rs. 2,000 per month.
  • Save up to 5% as a reward on IDFC FIRST FASTag.
  • 3X rewards on all other retail transactions.
  • Rewards Redemption Fee ₹99 + GST ₹99 + GST

    Benefits of IDFC Bank RuPay Credit Cards?

    Here are a few benefits of IDFC Bank RuPay Credit Cards-

    • Ease of payments
      Make fast and easy transactions with your RuPay Credit Card.
    • Available on UPI
      Currently, only RuPay Credit Cards can be added to various UPI (Unified Payments Interface) Apps. This makes them extremely popular as you can easily make payments through your mobile phone using a credit card.
    • Same rewards on UPI transactions
      You can earn the same rewards on your UPI spends with your IDFC Bank RuPay Credit Cards.
    • Safe and secure transactions
      Payments made through the RuPay network are safe.
    • Data privacy
      RuPay network is based here in India, which makes your data more secure as it is processed domestically.

    IDFC FIRST Bank RuPay Credit Cards

    IDFC HPCL First Power Plus RuPay Credit Card

    For the very first time, IDFC First Bank has launched two co-branded credit cards. These two cards were launched by IDFC First Bank in collaboration with Hindustan Petroleum Corporation Limited. When we talk about the IDFC Bank HPCL First Power Plus Credit Card, this credit card helps you save up to Rs. 18,500 annually, which roughly saves you around 175+ litres of fuel, i.e., you can get free fuel. This credit card has many other benefits, such as welcome gifts worth Rs. 1,650. There is a low-joining fee of Rs. 499. 

    The card offers exceptional lifestyle privileges such as free access to domestic airport lounges, up to 25% discount on movie tickets, free roadside assistance, and much more. Additionally, these cards come with low-interest rates starting from 0.75% to 3.5% per month, which is equivalent to 9% to 42% annually.

    IDFC HPCL FIRST Power RuPay Credit Card

    With a low joining fee of Rs. 199, this RuPay Credit Card is a co-branded card. In association with HPCL, IDFC FIRST Bank has brought us this card specifically for fuel transactions. You earn reward points on fuel, grocery, utility, and other retail spends that do not expire ever and can be used to redeem for a host of stuff. What’s more, you can get a 50% discount on international and domestic car rentals with Europcar and Eco Rent-A-Car.

    Eligibility for IDFC Bank Power and Power Plus Credit Card

    You need to fulfil the following conditions to be eligible for both the IDFC Bank Power and Power Plus Credit Card.

    • 21 years or above in age,
    • Indian citizen,
    • Applicant must have a decent credit score,
    • Annual income of Rs. 3 lakh or more. 

    How to Apply for IDFC Bank RuPay Credit Card?

    Apply for an IDFC Bank Rupay Credit Card easily and quickly with Card Insider. Compare the benefits, features and rewards of multiple credit cards on our platform and then apply for the card of your choice. Follow these simple steps to apply for an IDFC Bank RuPay Credit Card-

    • Select the card of your choice,
    • Click on the Apply Now button on the screen,
    • Fill in a few details,
    • You have successfully applied for a credit card.

    Here is how you can link your RuPay Card to your UPI application like GooglePay, Paytm, PhonePe, etc.

    Step 1: Open your UPI app,

    Step 2: Go to the “Account” section,

    Step 3: Select the option to add a RuPay Credit Card,

    Step 4: Set up your unique UPI pin and more.

    Conclusion

    In recent times, RuPay Credit Cards have gained popularity in India this is due to the partnership of RuPay Cards on the UPI network. Now, making payments has been made extremely convenient. With the presence of RuPay Credit Cards on UPI, you can now make payments on the go. IDFC RuPay Credit Cards offer cardholders great rewards and cashback on UPI spends. These cards RuPay Cards are co-branded cards in association with HPCL and have offers on fuel transactions.

    What are your views on these credit cards by IDFC Bank? Let us know how you feel about these cards in the comments below. If you already have one, share your experience as well.

    FAQs:

    Apply for an IDFC Bank RuPay Credit Card with Card Insider. Simply click on the “Apply Now” button to do so.
    To use your RuPay Credit Card on your preferred UPI App. Simply link your credit card to your UPI application in a few steps to use it.
    IDFC Bank currently offers two Rupay Credit Cards, namely Power and Power + Credit Card. These cards can be linked to UPI applications and used to make spends through the UPI app.