All cards / IDFC FIRST Bank
IDFC FIRST Bank
IDFC FIRST Power+ Credit Card
RuPay
IDFC FIRST Power+ Credit Card
An entry-level, low-fee IDFC FIRST card built around fuel savings (up to 6.5% at HPCL pumps) plus solid grocery/utility rewards and a rare zero forex markup, though lounge access is limited to one spend-gated visit a quarter.
Rates and fees last verified 14 September 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Fuel6.5%
- Groceries5% (capped ₹2,000/monthly)
- Utilities5% (capped ₹2,000/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- ₹500 cashback on your first fuel transaction within 30 days of card activation
- Fuel surcharge waiver at fuel stations nationwide, plus up to 6.5% savings on HPCL fuel
- 1 complimentary domestic airport lounge visit per quarter, unlocked by ₹20,000 spend in the previous month
- Up to 25% off movie tickets (capped) and complimentary roadside assistance
- ₹2 lakh personal accident cover and ₹25,000 lost card liability cover
Pros
- + Low ₹499 joining/annual fee with an easy ₹1.5L spend waiver
- + Strong fuel savings at HPCL stations
- + 0% forex markup is rare at this price point
Cons
- − Only 1 lounge visit per quarter, and it's spend-gated
- − Grocery/utility rewards are capped at ₹2,000/month each
Applying takes you to IDFC FIRST Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.