SwipeYield Review
A powerhouse card for fuel and utility optimization with modern UPI capabilities.
FuelGroceryUtilityUPI
IDFC FIRST Power+ Credit Card
By IDFC FIRST Bank
4.1SwipeYield Rating
Joining Fee₹499 + GST
Annual Fee₹499 + GST
Fee Waiver:
Waived on annual spending of ₹50,000
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Reward TypeReward Points
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NetworkRuPay, Visa
Rewards
Base
0.5% (3 points per ₹150)
Accelerated
4% back as points at HPCL + 1% surcharge waiver; 5% back on grocery and utility bills
Lounge Access
1 complimentary domestic lounge access per quarter on spending ₹20,000 in the previous month
Pros
- High returns on fuel and grocery
- RuPay-UPI integration
- Free roadside assistance
Cons
- Annual fee applicable
- Rewards capped at specific merchant categories
Eligibility
- Monthly income of ₹25,000+
- Age 21-65