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IDFC FIRST Power+ Credit Card
CardBachat Card Details

IDFC FIRST Power+ Credit Card

IDFC FIRST Power+ Credit Card is a low fee credit card from IDFC FIRST Bank. It is mainly useful for Fuel. This page explains its joining fee, annual fee, rewards and benefits, lounge access, useful platforms, pros, cons and who should consider this card.

Fuel
Card Details

IDFC FIRST Power+ Credit Card details at a glance

Bank
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IDFC FIRST Bank
Annual Fee
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₹ 499, Annual fee waiver on spending above ₹ 1.5 Lakh in a year.
Joining Fee
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₹ 499
Joining Bonus
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₹ 500 gift voucher on making the 1st HPCL fuel transaction of ₹ 500 or above within 60 days of card set-up.
Best For
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Fuel
Cashback & Rewards
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  • 5% value back as 30 reward points on every ₹ 150 spent on fueling at HPCL Outlets, up to 2,400 points per statement cycle.
  • 1.5% value back as 6 Happy Coins on every ₹ 100 spent on fueling through HP Pay App, upto 600 Happy Coins per month.
  • 5% value back as 30 reward points on every ₹ 150 spent on Grocery and Utility transaction, upto 400 Rewards per statement cycle.
  • 53 reward points per ₹ 150 spent on Hotels and 33 points per ₹ 150 spent on Flights through Travel & Shop section on IDFC FIRST Mobile App.
  • 1 Reward point = ₹0.25
Perks
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25% off, up to ₹ 100, on movie tickets once per month on District by Zomato app.
Domestic Lounge Access
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4 complimentary domestic airport lounge visits per year, maximum 1 visit per quarter on minimum monthly spends of ₹20,000.
International Lounge Access
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Not Available
Useful Platforms
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Not Available
Apply
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Pros and Cons of IDFC FIRST Power+ Credit Card

A quick view of where this card works well and where it may not be the best fit.

Pros

✓ Useful for users who spend on Fuel.
✓ Works well for platforms or categories like Fuel.
✓ Rewards and benefits are easy to compare from the card data.
✓ Complimentary lounge access is available as per current card data.

Cons

✗ Annual fee applies if value recovery or fee waiver is not achieved.
✗ Cashback/reward caps, exclusions and eligible merchants should be checked before applying.
✗ Not ideal if your spending is outside its main benefit categories.
✗ Final approval depends on bank policy, income, credit profile and documents.

Who Should Consider IDFC FIRST Power+ Credit Card?

This card is not for everyone. It is more useful for users with specific spending patterns.

Good Fit For

✓ Users who spend regularly on Fuel.
✓ Users who want card benefits aligned with their actual monthly spending.
✓ People who compare fees, rewards and benefit caps before applying.
✓ Users who can recover value from the card benefits.

May Not Be Ideal For

✗ Users whose main spending is outside this card’s benefit categories.
✗ Users looking mainly for unrelated premium travel, hotel or concierge benefits.
✗ Users who do not want to track reward caps, exclusions or terms.
✗ Users who want guaranteed approval without checking bank eligibility.

Not sure if IDFC FIRST Power+ Credit Card is best for you?

Use CardBachat AI to compare IDFC FIRST Power+ Credit Card with other cards based on your income, monthly spend, preferred platform and lounge preference.

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Frequently Asked Questions

Quick answers before you compare or apply.

Is IDFC FIRST Power+ Credit Card worth it?

IDFC FIRST Power+ Credit Card can be useful if your spending matches its main benefit categories such as Fuel. Always compare it with other cards before applying.

What is the annual fee of IDFC FIRST Power+ Credit Card?

As per the current CardBachat card database, the annual fee is ₹ 499, Annual fee waiver on spending above ₹ 1.5 Lakh in a year.. Always verify the latest terms with the bank before applying.

Does IDFC FIRST Power+ Credit Card offer lounge access?

As per the current CardBachat data, lounge access details are shown above if available. Benefits can change, so verify the latest terms directly with the bank.

Who should apply for IDFC FIRST Power+ Credit Card?

Users who frequently spend on Fuel may consider this card. Users with different spending patterns should compare alternatives on CardBachat first.

Disclaimer: CardBachat provides educational credit card comparison assistance only. It does not guarantee approval, cashback, rewards, lounge access, or financial benefit. Final approval depends on bank eligibility, credit score, documents, income, bank relationship, and internal policies. We may earn a commission if you apply through affiliate links, at no extra cost to you. Read the full Disclaimer.