IDFC FIRST BankIDFC First Power Credit Card
Earn rewards and benefits with IDFC First Power Credit Card.
Top Category Performance
RuPay UPI Scan & Pay (88/100)
Joining Fee
₹199
Annual Fee
₹199
Reward Rate (%)
0.7 – 6.5
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
24/25
Lounge & Perks
11/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
IDFC First Power Credit Card Benefits
IDFC First Power Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.7% – 6.5%
Earn rate
IDFC First Power Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
IDFC First Power Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹4,167/mo (₹50,004/yr), your ₹199 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IDFC First Power Credit Card Eligibility
Employment type
Pros & Cons
- Very low annual fee
- Excellent value for regular HPCL fuel users
- Good rewards on grocery and utility spends
- Rewards on FASTag recharges
- Reward Points never expire
- Additional benefits through HP Pay
- Low fee waiver threshold of ₹50,000
- Good entry-level fuel credit card
- No complimentary airport lounge access
- Fuel rewards are limited to HPCL outlets
- Forex markup of 3.5% is high
- Base reward rate on general spending is modest
- Reward redemption value capped at ₹0.25 per point
- No travel or premium lifestyle benefits
- Fuel and accelerated reward benefits are subject to monthly caps
- Less rewarding than the Power+ variant for higher fuel spenders
Quick Links
Data last updated 6 Aug 2026
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More from IDFC FIRST Bank
Calculate your exact earnings with IDFC First Power Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.