IDFC FIRST Power Credit Card
IDFC FIRST Bank
Fuel surcharge waiverBill-pay rewardsupi rewards
₹199
Joining fee
₹199
Annual fee
Waivable on Rs 50,000 annual spend.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21+
Minimum income Rs 3,00,000/year; free add-on cards
Lounge access
0 domestic / 0 international visits per year
Reward details
2 points per Rs 150 on general retail
- Up to 3.5% on Fuel via direct HPCL purchases
- Additional 1.5% on Fuel via HP Pay App
- 2.5% returns on Grocery & utilities
- 2.5% savings on FASTag recharges
- 13.33%-26.67% bonus (aggregator-sourced, unusually high, flagged for verification) on Travel bookings via IDFC FIRST app
Welcome bonus: Worth Rs 2,250 (includes Rs 250 gift voucher on first fuel purchase)
Redemption
Ratio: 1 point = Rs 0.25
- Personal accident cover Rs 2,00,000
- Lost card liability cover Rs 25,000
- Complimentary roadside assistance 4 times/year (valued at Rs 1,399)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low annual fee with an achievable waiver threshold appeals to budget-conscious users; fuel benefits suit HPCL loyalists — Paisabazaar
Complaints
- Reward point redemption caps per cycle, and the split structure between 'Happy Coins' and standard points, create complexity for some cardholders — Paisabazaar
Sources
- Official — confirmed Rs 199 annual fee only; JS-rendered page did not return full detail content
- Aggregator — eligibility, lounge, rewards, sentiment