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.
Lifetime-free · Fuel
IDFC FIRST BANK · IDFC FIRST POWER+ CREDIT CARD
IDFC FIRST Power+ Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹15,300 for a mid spender · travel
IDFC FIRST BANK
Updated 2026-04 3 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
Fee waiver (met)· Renewal fee waiver on spending Rs 1,50,000 or more in previous year
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.
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.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
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.
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.
HOW WE KEEP THIS CURRENT
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.