MyFinCards
FIRST Power+

Joining Fee

₹499

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 1.5 Lakhs)

IDFC FIRST Bank
Fuel
Rewards
Best For: Frequent fuel spenders, UPI users, Grocery and utility bill payers, Budget-conscious lifestyle users

FIRST Power+

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

0

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

Annual fee waiver milestone spends exclude ATM Cash Withdrawals, Balance Transfer, monthly EMIs, fees and chargesWelcome benefit on HPCL fuel transaction not applicable on UPI and Add-on card transactionsEMI cashback not applicable on gold and jewellery transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

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.

Expert Review

Our Verdict

Fuel-focused credit card with up to 6.5% savings on fuel, UPI rewards & lifestyle perks for ₹499/year.

Frequently Asked QuestionsAbout FIRST Power+

FEESWhat is the joining fee and annual fee for the FIRST Power+ Credit Card?
The FIRST Power+ Credit Card has a joining fee of ₹499 and an annual fee of ₹499 from the second year onwards. The annual fee is reversed if you spend ₹1,50,000 or more in the previous anniversary year. Note that payment of the joining fee along with GST is mandatory for activation and dispatch of the card.
FEESHow can the annual fee on the FIRST Power+ Credit Card be waived?
The annual fee of ₹499 on the FIRST Power+ Credit Card is reversed when you cross ₹1,50,000 in total spends during the previous anniversary year. Eligible spends include all purchases net of reversals and refunds, but exclude ATM cash withdrawals, balance transfers, monthly EMIs, fees, and charges.
BENEFITSWhat are the fuel savings benefits offered by the FIRST Power+ Credit Card?
The FIRST Power+ Credit Card offers up to 6.5% savings on fuel expenses, making it an ideal card for frequent drivers. Additionally, you receive a welcome benefit worth ₹500 on your first HPCL fuel transaction of ₹500 or above. The card is specifically designed to help you save significantly on mobility expenses, potentially saving you up to ₹18,500 annually.
REWARDSDoes the FIRST Power+ Credit Card offer savings on grocery and utility bills?
Yes, the FIRST Power+ Credit Card offers 5% savings as reward points on grocery and utility expenses. Additionally, you also earn 5% savings as reward points on IDFC FIRST FASTag recharges. These benefits make the card useful for a range of everyday expenses beyond just fuel, helping you maximize your overall savings.
BENEFITSWhat welcome benefits are offered with the FIRST Power+ Credit Card?
The FIRST Power+ Credit Card offers welcome benefits worth ₹2,500. This includes: a ₹250 Shoppers Stop Gift Voucher on your first UPI transaction within 15 days of card set-up, a ₹500 gift voucher on your first HPCL fuel transaction of ₹500 or above (within 60 days of card set-up), and 5% cashback of up to ₹1,000 on your first EMI conversion within 30 days of card set-up. Additional merchant offers worth ₹1,000+ are also available.
BENEFITSHow does the ATM cash withdrawal feature work on the FIRST Power+ Credit Card?
The FIRST Power+ Credit Card offers 0% interest on ATM cash withdrawals until the payment due date, giving you up to 45 days interest-free. However, a cash withdrawal fee of ₹199 per transaction is applicable. This is a unique feature that allows you to access emergency cash without worrying about interest charges, as long as you repay within the due date.
BENEFITSDoes the FIRST Power+ Credit Card offer complimentary airport lounge access?
Yes, the FIRST Power+ Credit Card provides complimentary domestic airport lounge access once every quarter. However, this benefit requires a minimum monthly spend of ₹20,000 to be eligible. If you do not meet this monthly spending threshold, the complimentary lounge access for that quarter will not be available.
REWARDSCan I earn reward points on UPI transactions with the FIRST Power+ Credit Card?
Yes, the FIRST Power+ Credit Card supports UPI payments and rewards you with 3X reward points on UPI and other retail transactions. To enable UPI, open your preferred UPI app, go to the 'Account' section, select the option to add a credit card, and set your UPI PIN. You also enjoy an interest-free credit period on UPI purchases and can convert UPI purchases to EMI.
FEESWhat are the interest rates applicable on the FIRST Power+ Credit Card?
The FIRST Power+ Credit Card offers low and dynamic interest rates starting at 0.71% per month (8.5% per annum), going up to 3.85% per month (46.2% per annum) depending on your credit profile. These are among the lowest credit card interest rates available in India. Over-limit charges are 2.5% of the over-limit amount, subject to a minimum of ₹550.
REWARDSWhat travel savings can I get with the FIRST Power+ Credit Card?
The FIRST Power+ Credit Card offers accelerated reward points on travel bookings made through the 'FIRST Rewards Gallery' section on the IDFC FIRST Bank Mobile App. You can earn up to 8.83% savings on hotel bookings (via 50X bonus reward points) and up to 5.50% savings on flight bookings (via 30X bonus reward points), over and above your usual credit card reward points.
BENEFITSWhat insurance and safety benefits does the FIRST Power+ Credit Card provide?
The FIRST Power+ Credit Card comes with a Personal Accident Cover of ₹2,00,000 and a Lost Card Liability Cover of ₹25,000. Additionally, you receive a Complimentary Roadside Assistance (RSA) benefit worth ₹1,399, providing help in case of vehicle breakdowns. These safety features make it a well-rounded card for those who drive frequently.
REWARDSDo reward points on the FIRST Power+ Credit Card expire?
No, the reward points earned on the FIRST Power+ Credit Card never expire. This means you can accumulate your reward points over time without worrying about losing them. You can redeem these points at your convenience for a variety of options including flight and hotel bookings via the IDFC FIRST Bank Mobile App, or for other offers available in the rewards gallery.
INTERNATIONALIs the FIRST Power+ Credit Card suitable for international transactions?
The FIRST Power+ Credit Card is primarily designed for domestic use, focusing on fuel, grocery, utility, and everyday savings within India. Forex markup details are not prominently featured for this card, suggesting it may not be the most optimal choice for international or foreign currency transactions. For frequent international travellers, IDFC FIRST Bank offers other dedicated travel credit cards with zero or low forex markup fees.
USAGECan I add an add-on card to my FIRST Power+ Credit Card account?
Yes, the FIRST Power+ Credit Card allows you to extend an add-on card to family members or co-passengers. This helps boost your collective savings on fuel, groceries, and other expenses under one account. Additionally, you can refer friends and earn up to 10,000 reward points, with 2,000 reward points credited for every successful card set-up through your referral.
APPLICATIONHow can I apply for the FIRST Power+ Credit Card?
You can apply for the FIRST Power+ Credit Card online through the IDFC FIRST Bank website by clicking the 'Apply Now' button on the card page. Payment of the joining fee of ₹499 plus applicable GST is mandatory for the card to be activated and dispatched. You can also manage your card conveniently through the IDFC FIRST Bank Mobile App, which allows you to view transactions, pay bills, redeem rewards, and control card settings.

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