Route spending through Above cap, transactions earn base rate.
Earn 5.0× here — 5.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Cashback
IDFC FIRST BANK · IDFC FIRST POWER+ CREDIT CARD
IDFC FIRST Power+ Credit Card
ANNUAL FEE
₹499 waived at ₹2L spend
FIRST-YEAR NET VALUE
₹15,300 for a mid spender · travel
IDFC FIRST BANK IDFC FIRST Power+
Updated 17 Sep 2026 7 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is IDFC FIRST Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 730+ Good band
AGE Adult Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹15,300 first-year net value · mid spender · travel
Category rewards ₹15,300
Annual fee − ₹499
Fee waiver (met)· Renewal fee waiver on spending Rs 1,50,000 or more in previous year ₹499
Net first-year value ₹15,300
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.50% back on eligible spends 3 pts 3 points per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 5.0% back
Power+ Savings Maximiser decomposes product page '30X' marketing into 24 RP per Rs 150 plus up to 1.5% Happy Coins on HP Pay fuel purchases · 4.0%
Above cap, transactions earn base rate · 5.0%
Above cap, transactions earn base rate · 5.0%
Applicable only on eligible HPCL fuel purchases through HP Pay · 1.5%
Everything else (base) · 0.5%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time IDFC FIRST Bank tweaks the program.
Line up your ₹2L before renewal.
Crossing ₹2L in the anniversary year waives the ₹499 fee — automatic for spenders at ₹12,500+/month. Watch your pace in months 10–12.
Don't sleep on Above cap, transactions earn base rate.
The second tier earns 5.0× (5.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹499 · + 18% GST · one-time
Annual fee (year 2+) ₹499 · waived at ₹2L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 0.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
4 domestic visits per year. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
Joining and annual fees are both ₹499 (₹589 with GST). The renewal fee is waived on ₹1,50,000 of prior-year spend — easy to clear if fuel and groceries route to this card. A ₹500 HPCL voucher is also credited when you spend ₹50,000 within 30 days after the renewal fee posts.
08 WHAT CHANGED
How IDFC FIRST Power+ Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Forex markup now 0% (bank-wide Zero Forex Markup; was 3.5%); welcome benefit is a ₹500 HPCL gift voucher (cards from 10 Jun 2025) plus first-EMI cashback; headline savings recorded (up to 6.5% fuel, 5% grocery/utility, 5% FASTag, 3X UPI and retail, 26.67% bonus on app travel bookings); lounge once a quarter on ₹20,000 monthly spend. Fee ₹499 + GST and ₹1.5L reversal re-verified. Detailed points-per-₹150 tiers sit behind Know More panels and were not re-read this pass; the stored 3 and 24 points per ₹150 are consistent with the headline percentages. Becomes a zero-forex card; welcome value slightly lower
- 18 Jan 2026 MITC baseline revision effective date Central APR, late fee and fee schedule references updated under IDFC FIRST MITC
- 28 Oct 2025 Power+ privileges PDF revision Updated domestic lounge, movie, roadside assistance and partner-program terms (per privileges PDF revision date)
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: IDFC FIRST Power+ / HPCL Power fuel credit card product page (official), Savings Maximiser - FIRST Power Plus PDF (official), FIRST Power Plus Privileges PDF (official), IDFC FIRST Credit Card MITC PDF (official), FIRST Power Plus Travel & Shop T&C PDF (official), PerkPilot editorial — faq derived from card JSON levers (2026-04), idfcfirstbank.com. Next scheduled review: 17 Mar 2027.