Joining Fee
₹499
Annual Fee
Rs. 499 (Reversed on annual spends of Rs. 1.5 Lakhs)
Late Payment Charges
15% of the outstanding amount · Minimum ₹100 · Maximum ₹1,300
FIRST Power+
Rewards Structure
Base Reward Rate
% on spends
Point Value
1 Point = ₹0.25
Pros
- Up to 6.5% savings on fuel expenses
- Never expiring reward points
- 0% interest on ATM cash withdrawals until due date
- Complimentary domestic lounge access quarterly
- Low dynamic interest rates starting at 8.5% per annum
- 5% savings on grocery, utility and FASTag recharge
- Annual fee waived on ₹1,50,000 annual spend
- UPI transactions earn reward points
- Complimentary Roadside Assistance worth ₹1,399
Cons
- Lounge access requires minimum monthly spend of ₹20,000
- Joining fee of ₹499 mandatory for activation
- Cash withdrawal fee of ₹199 per transaction even though interest-free
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Annual fee waiver excludes ATM Cash Withdrawals, Balance Transfer, monthly EMIs, fees and charges
Lounge access only with minimum monthly spends of ₹20,000
Welcome benefit on HPCL fuel transaction has eligibility window (60 days for new setups)
EMI cashback welcome benefit excludes gold and jewellery transactions
Welcome benefits not applicable on UPI and Add-on card transactions
Key Benefits & Features
Complimentary Roadside Assistance worth ₹1,399
0% Interest on ATM Cash Withdrawals until due date (up to 45 days); cash withdrawal fee of ₹199 per transaction
8.83% savings on Hotel bookings via IDFC FIRST Mobile App (50X Bonus Reward Points)
5.50% savings on Flight bookings via IDFC FIRST Mobile App (30X Bonus Reward Points)
3X Rewards on UPI and other retail transactions
Refer friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About FIRST Power+
The IDFC FIRST Bank FIRST Power+ Credit Card is designed for everyday savings, positioning itself as a powerful companion for fuel spenders, UPI users, and lifestyle-conscious individuals. With a joining and annual fee of ₹499, the card delivers welcome benefits worth ₹2,500, and the annual fee is waived upon reaching ₹1,50,000 in spends within an anniversary year. Cardholders can save up to ₹18,500 annually, making it a strong value proposition for budget-aware users. The card offers up to 6.5% savings on fuel expenses, 5% rewards on grocery and utility spends, and 5% rewards on IDFC FIRST FASTag recharges. UPI transactions and general retail purchases earn 3X rewards. For travel enthusiasts, booking flights and hotels through the IDFC FIRST Mobile App unlocks 30X and 50X bonus reward points respectively, translating to savings of 5.50% on flights and 8.83% on hotels. Lifestyle privileges add further value, including complimentary domestic airport lounge access once per quarter on minimum monthly spends of ₹20,000, 25% off on movie tickets monthly, roadside assistance worth ₹1,399, and personal accident cover. The card also supports UPI-linked credit transactions, interest-free ATM cash withdrawals for up to 45 days, and never-expiring reward points, making it a well-rounded option for daily and on-the-go spending.
Our Verdict
Fuel-focused credit card with up to 6.5% savings on fuel, UPI rewards & lifestyle perks for ₹499/year.
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