Text size:
S M L
Letter spacing:

Get App

FinFIRST Blogs

Credit Card

Effective money-saving ideas with the FIRST Power Credit Card

Key Takeaways

The FIRST Power Credit Card is a money-saving card with its attractive rewards programme.
You can save up to 5% on fuel transactions by earning 21X reward points per ₹150 spent. In addition, save up to 2.5% with 15X reward points on grocery and utility bill payments.
There’s a host of welcome benefits, which include discounts.
You can also enjoy savings on other spends and free insurance coverage.

07 Feb 2026 by Team FinFIRST

Apply Now

A credit card can bring about plenty of savings. “How?” - you may ask. The answer is to identify where you spend most money on and select a credit card that offers rewards for those specific categories. If fuel, grocery, and utility bills make up a large chunk of your spending, then it’s time to consider the FIRST Power Credit Card to enjoy greater savings.

Let’s understand how.

10 Ways to use a credit card without muddling your budget

Easy steps to customise your IDFC FIRST Bank Credit Card with your personal image

Features and benefits of the FIRST Power Credit Card

Given below are the main features and benefits of the FIRST Power Credit Card, which make it suitable for saving money -

● Welcome benefits

As you apply for the card and activate it, you can enjoy a slew of welcome benefits, which include the following -

- ₹250 worth Gift Voucher on 1st HPCL fuel transaction of  ₹250 and above (within 60 days of card set up)

- Convert your transactions into EMIs within the first 30 days and enjoy 5% cashback, up to ₹1,000, on the overall transaction value

- Exciting merchant offers worth ₹1000

● Savings on fuel

The FIRST Power Credit Card gives you considerable savings on fuel transactions. You can save up to 5% on fuel transactions and travel to your heart’s desire without worrying about fuel costs.

Check out the illustration to understand how the card helps with money-saving on fuel -

Scan the QR code at the fuel station and pay via the HP PAY app using the FIRST Power Credit Card to unlock maximum savings.

● Free insurance coverage

The FIRST Power Credit Card provides you with a host of complimentary insurance coverage benefits for financial security. Check out the benefits available -

- Roadside assistance cover worth ₹1399

- Lost card liability cover worth ₹25,000

- Personal accident cover worth ₹2 lakhs

Enjoy these coverages free of cost and get compensated in the case of unforeseen financial losses.

● Savings on other spends

Besides offering savings on fuel costs, the FIRST Power Credit Card offers savings on other transactions, too. Whether it is grocery shopping or simple UPI spends, you can save every time you use the card. Find out how -

● Cost-effective

The FIRST Power Credit Card is cost-effective, too. The Annual Percentage Rate (APR) is low and dynamic, starting at 9% per annum. Plus, there is 0% interest on ATM cash withdrawals until the due date.

● Additional benefits

If savings and cost-effectiveness are not enough, there are also additional benefits. Here’s what you can get -

The facility of converting your purchases or credit card balance into affordable EMIs
Get an add-on card for the pillion rider and double the savings without added charges
Earn up to 2000 reward points when you refer your friends, and they activate the card. You can earn a maximum of 10,000 reward points through referrals

Tips for maximising the benefits of the card

With so many credit card offers, the FIRST Power Credit Card is an effective money-saving tool. To maximise its benefits, here are some tips that can help -

Try and use the credit card for most of your transactions to maximise earning the reward points
Choose the UPI-enabled credit card for additional reward points on UPI spends
Pay your credit card dues on time to avoid added interest outgo

How to apply for the FIRST Power Credit Card?

You can apply for the FIRST Power Credit Card online. Here’s how -

Step 1-

Visit the online application page for the FIRST Power Credit Card

Step 2-

Fill out your details and submit the application

Step 3-

Once approved, complete your V-KYC and address verification to receive the credit card

Financial management made easy with FIRST Power Credit Card

Manage your finances effectively with the FIRST Power Credit Card. Earn never-expiring Reward Points on your transactions and redeem them on future purchases for added savings. Plus, the discounts offered by the credit card can give you direct savings across merchants.

Apply for the FIRST Power Credit Card and make it your money-saving companion. It will help you save on refuelling, shopping, grocery and lifestyle spending, and more. Save more, invest more, and manage your finances better.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.