IDFC First Power+ Credit Card
Issuer Regulated by RBI
IDFC FIRST Bank logo
IDFC FIRST Bank

IDFC First Power+ Credit Card

Earn rewards and benefits with IDFC First Power+ Credit Card.

RuPay
Co-branded
72
Overall CardCheck ScoreVery Good

Cashback Fit Score

95/100

Best for: fuel savings on HPCL plus everyday rewards

Joining Fee

₹499

Annual Fee

₹499

Reward Rate (%)

1.5 – 5

Statement credit

Forex Markup

3.5%

Community
(0)
Your Rating

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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

22/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Cashback Spends
95/100
Fuel & Petrol
94/100
RuPay UPI Payments
88/100
Zero Fee & Starter
85/100

Scoring 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

Welcome benefit: ₹500 HP Pay voucher on meeting activation conditions
Earn up to 6.5% value back on HPCL fuel spends via HP Pay (including Reward Points and HP Pay benefits)
Earn 5X Reward Points on grocery and utility bill payments
Earn 3X Reward Points on FASTag recharges
Earn 1 Reward Point per ₹150 on all other eligible retail spends
4 complimentary domestic airport lounge visits per year (1 per quarter) on spending ₹20,000 in the previous calendar month
1% fuel surcharge waiver on HPCL fuel transactions between ₹200 and ₹5,000
Reward Points never expire

IDFC First Power+ Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

1.5% – 5%

Earn rate

₹400

Monthly cap

₹400

Monthly cap

IDFC First Power+ Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining fee₹499
Annual fee₹499
Fee waiver on annual spend₹1,50,000
Interest-free period45 days
Interest rate (APR)8.5% – 46.2%
Late payment fee (max)₹1,300
Over-limit fee2.5%
Forex markup3.5%
Fuel surcharge waiverNo

Card Features

Metal Card
Contactless
UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹1,50,000/yr
₹12,500/mo
Presets:
Annual Fee 100% Waived₹1,50,000 / ₹1,50,000

🎉 Annual renewal fee 100% waived! At ₹12,500/mo (₹1,50,000/yr), your ₹499 fee drops to ₹0.

Est. Base Rewards+₹2,250@1.5% base rate
Effective Fee₹0 (Waived)100% saved
Net Annual Value+₹2,250rewards vs fee
*Estimated using standard base rate (1.5%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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IDFC First Power+ Credit Card Eligibility

Age21+ yrs – 65
Min. income₹25,000/month
CIBIL score
750+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Excellent value for frequent HPCL fuel users
  • Higher fuel benefits than the standard FIRST Power Card
  • Complimentary domestic lounge access
  • Good rewards on grocery, utility, and FASTag spends
  • Reward Points never expire
  • Reasonable annual fee with spend-based waiver
  • Welcome voucher adds first-year value
  • Suitable for users with regular fuel expenses
Cons
  • Fuel benefits are primarily limited to HPCL outlets
  • Lounge access requires monthly spend eligibility
  • Forex markup of 3.5% is high
  • Base reward rate on general spending is modest
  • No international lounge access
  • No golf or premium travel benefits
  • Reward rates on fuel are subject to monthly caps and HP Pay usage
  • Less attractive for users who do not regularly purchase fuel from HPCL

Quick Links

Data last updated 4 Sept 2026

All IDFC FIRST Bank credit cards →Best Cashback Cards
Free Rewards Math Simulator

Calculate your exact earnings with IDFC First Power+ Credit Card

Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.

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