AU Small Finance Bank Altura Plus Credit Card
AU Small Finance Bank
Rewards 1.5%
Net Value ₹10,884
Joining Fee ₹0
Renewal Fee ₹0
2 lounge visits • Forex 3.5%
IDFC FIRST Power+ Credit Card
IDFC FIRST Bank ⭐ Featured
Co-branded fuel and utility rewards credit card
Joining Fee
Not disclosed
Check with issuer
First Year Net
+₹10,620
Annual Fee
Not disclosed
Check with issuer
Renewal Net
+₹10,620
Base Reward Rate
0.5%
3 points per ₹150
Best Category
5.0%
Final Net Score
19
out of 100
Net Annual Value
+₹10,620
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
19/100
Effective Reward Rate
Weighted average based on your spending categories
1.8%
Annual Net Value
Expected yearly benefit after all costs
₹10,620
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Co-branded fuel and utility rewards credit card
Launch Date
HPCL co-branded FIRST Power series
Networks
RuPay, Visa, Mastercard
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹10,620
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 12,500 monthly spend.
- Top earning category: grocery and utility spends has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
IDFC FIRST Power+ Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: Free
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 0.5% reward rate
- Lounge Access: Available
- Our Rating: 19/100
IDFC FIRST Power+ Credit Card - Frequently Asked Questions
What are the benefits of IDFC FIRST Power+ Credit Card?
IDFC FIRST Power+ Credit Card from IDFC FIRST Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for IDFC FIRST Power+ Credit Card?
IDFC FIRST Power+ Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does IDFC FIRST Power+ Credit Card cost?
The annual fee for IDFC FIRST Power+ Credit Card is free. Additional charges may include foreign transaction fees and late payment charges.
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