{
  "id": "idfc-first-power",
  "locale": "hinglish",
  "name": "IDFC FIRST Power Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹199 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "HPCL Fuel par 5% tak Savings (4% rewards + 1% surcharge) · Grocery, Utilities & FASTag par 2.5% · 2X UPI",
  "bestFor": "Daily vehicle commuters, HPCL petrol pumps, grocery shopping, utility bills aur FASTag recharge",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card",
  "aiVerdict": {
    "score": 4.3,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 2.5,
  "affiliateId": "idfc-first-power",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Saal mein ₹50,000 spend karne par annual fee completely waive off",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹199 + GST (Waived on ₹50k spend)"
    },
    {
      "key": "HPCL Fuel Savings",
      "value": "Up to 5.0% (4% Rewards + 1% Surcharge)"
    },
    {
      "key": "Grocery & Utilities",
      "value": "2.5% Cash Rewards"
    },
    {
      "key": "FASTag Recharge",
      "value": "2.5% Cash Rewards"
    },
    {
      "key": "UPI Spends",
      "value": "2X Rewards on RuPay UPI"
    },
    {
      "key": "Welcome Gift",
      "value": "₹250 HPCL fuel voucher + ₹1,000 EMI Cashback"
    }
  ],
  "earnRates": [
    {
      "category": "HP Pay se HPCL Fuel Purchases (Up to 5%)",
      "rate": "4.0% (16 Points / ₹100)",
      "monthlyCap": "₹10,000 spend / month",
      "perLakhSpent": "16,000 Points (₹4,000 value)"
    },
    {
      "category": "Grocery Supermarkets & Utility Bills (2.5%)",
      "rate": "2.5% (10 Points / ₹100)",
      "monthlyCap": "₹5,000 spend / month",
      "perLakhSpent": "10,000 Points (₹2,500 value)"
    },
    {
      "category": "IDFC FIRST FASTag Recharge (2.5%)",
      "rate": "2.5% (10 Points / ₹100)",
      "monthlyCap": "₹1,000 spend / month",
      "perLakhSpent": "10,000 Points (₹2,500 value)"
    },
    {
      "category": "UPI & Baaki Sabhi Retail Spends (2X)",
      "rate": "0.50% (2 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (₹500 value)"
    },
    {
      "category": "Non-HPCL Fuel Spends",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "HPCL Fuel Purchases",
      "multiplier": "16×",
      "rate": "4.0% Rewards",
      "monthlyCap": "₹10,000 monthly spend",
      "dailyCap": "—",
      "note": "HP Pay app se HPCL pumps par payment par 4% rewards + 1% surcharge waiver."
    },
    {
      "channel": "Grocery, Utilities & FASTag",
      "multiplier": "10×",
      "rate": "2.5%",
      "monthlyCap": "₹5,000 monthly spend",
      "dailyCap": "—",
      "note": "Supermarkets, electricity/water bills aur FASTag par 2.5% cash rewards."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "HPCL Fuel & FASTag Recharge",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1 pt",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Gift Cards & Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Non-HPCL petrol pump transactions.",
    "Cash advance withdrawals aur digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹199 + GST (₹250 HPCL Welcome Voucher Included)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹199 + GST (Saal mein ₹50,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "Dynamic 0.71% se 3.85% per month (8.5% se 46.2% per annum)",
      "warn": false
    },
    {
      "item": "Forex Markup Fee",
      "value": "0% Forex Markup (sab international spends par)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "HPCL par ₹200 se ₹5,000 ke transactions par 1% waiver (Max ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "Salaried (21 se 65 saal), Self-Employed (25 se 65 saal)"
    },
    {
      "criteria": "Minimum Annual Income",
      "requirement": "₹3,00,000+ per annum (Salaried ya Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "710+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}