What is the annual fee for IDFC First Power+ Credit Card?

The annual fee for IDFC First Power+ Credit Card is ₹499. The fee is waived on annual spend above ₹1,50,000.

What is the joining fee for IDFC First Power+ Credit Card?

The one-time joining fee for IDFC First Power+ Credit Card is ₹499.

What are the rewards and benefits of IDFC First Power+ Credit Card?

IDFC First Power+ Credit Card earns points rewards. Reward rate ranges from 1.5% to 6.5%. You earn 2 points per ₹100 spent.

What lounge access benefits does IDFC First Power+ Credit Card provide?

IDFC First Power+ Credit Card provides 1 domestic lounge visits per quarter.

What is the eligibility criteria for IDFC First Power+ Credit Card?

To be eligible for IDFC First Power+ Credit Card, you need a minimum monthly income of ₹25,000.

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IDFC FIRST Bank

IDFC First Power+ Credit Card

Name: IDFC First Power+ Credit Card
Brand: IDFC FIRST Bank
Price: 499 INR
Availability: InStock

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

Co-branded

CardCheck ScoreVery Good

Top Category Performance

RuPay UPI Scan & Pay (88/100)

Best for: fuel savings on HPCL plus everyday rewards

Joining Fee

₹499

Annual Fee

₹499

Reward Rate (%)

1.5 – 6.5

Forex Markup

3.5%

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(0)

Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

34/35

Fee Value & ROI

22/25

Lounge & Perks

11/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

RuPay UPI Payments

88/100

Zero Fee & Starter

85/100

Online Shopping

84/100

Cashback Spends

75/100

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

points

Reward type

1.5% – 6.5%

Earn rate

Points / ₹100

₹0.25

Per point

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.

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