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IDFC First Power Plus Credit Card

4 from 3000 Users

All Card USPs

Accelerated Reward Points On Fuel Spends

with 30X points on HPCL fuel, grocery, and IDFC FASTag recharge spends

Buy-One-Get-One Movie Tickets

twice a month with a discount of ₹250 per ticket

6.5% Fuel Savings

at HPCL pumps through rewards and surcharge waivers

2 Complimentary Domestic Lounge Visits

per quarter

Best For

Fuel

Airport Lounge

Grocery Shopping

Utility Bills

Joining/Annual Fees

Joining Fees

₹589 ( ₹499 + GST )

Joining fee is offset through ₹500 cashback on the first fuel transaction at an HPCL fuel station.

Annual Fees

₹589 ( ₹499 + GST )

Annual fee of ₹499 is reversed on spending ₹1,50,000 or more in the previous anniversary year.

Eligibility

Age Criteria

21-65 years

Salary Criteria

3 LPA

Credit Rating*

750+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.25

Redemption Options

Redeem points via the Travel & Shop section in the IDFC FIRST Bank Mobile App for flight and hotel bookings.

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

  • ₹500 cashback on the first HPCL fuel transaction of ₹500 or more within 30 days of card issuance.
  • 5% cashback (up to ₹1,000) on the first EMI conversion within 30 days of card activation.
  • 30X Reward Points on HPCL fuel, grocery, utility payments, and IDFC FIRST FASTag recharges.
  • 3X Reward Points on all other retail and UPI transactions.
  • No expiry on Reward Points, offering unlimited flexibility for redemption.
  • Up to 6.5% fuel savings at HPCL pumps, combining rewards and a 1% fuel surcharge waiver.
  • 1 complimentary domestic airport lounge visit per quarter (minimum monthly spend of ₹20,000 required).
  • 25% discount on movie tickets (₹100 max per ticket) once a month via Paytm.
  • Low Forex Markup Fee: Just 1.99% on international transactions, including INR transactions abroad.
  • Complimentary Roadside Assistance worth ₹1,399 annually.
  • Insurance Coverage:
    • Personal Accident Cover: Up to ₹2 lakh.
    • Lost Card Liability: Up to ₹25,000 for unauthorized transactions after reporting the card lost.

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Insurance Premium Payments

Fuel Spends

EMI Transactions

ATM Cash Withdrawals

Utility Spends

Grocery Spends

IDFC FIRST FASTag Recharges

For Spends Waiver

Insurance Premium Payments

Fuel Spends

EMI Transactions

ATM Cash Withdrawals

Utility Spends

Grocery Spends

IDFC FIRST FASTag Recharges

Bank Fee Structure

StructureDetails
Forex Markups

3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
Examples (3.5%):
₹100 → ₹3.5
₹1,000 → ₹35
₹10,000 → ₹350
₹1,00,000 → ₹3,500

1.99%
APR Fees

Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5%–46.2% p.a.).

3.85%
ATM Withdrawl

A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days).

₹199
Reward Redemption Fees

₹99 + GST reward redemption fee

₹99
Link for all T&Cs
Click Here
Railway Surcharge

A surcharge of 1% is applied to transactions made for booking railway tickets.

1%
Rent Payment Fees

1% rent payment fee applies.

1%
Cheque Payment Fees

A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal.

N/A
Cash Payment Fees

N/A

N/A
Late Payment Fees

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).

Amount Due

Apply for this card

TOP USPs

Accelerated Reward Points On Fuel Spends

with 30X points on HPCL fuel, grocery, and IDFC FASTag recharge spends

Buy-One-Get-One Movie Tickets

twice a month with a discount of ₹250 per ticket

Apply Now