IDFC FIRST Power+ Credit Card
IDFC FIRST Bank
Fuel surcharge waiverBill-pay rewardsupi rewardspriority:lounge domestic
₹499
Joining fee
₹499
Annual fee
Waived on Rs 1,50,000 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; good credit score required
Lounge access
4 domestic / 0 international visits per year
Reward details
- 5% on HPCL fuel purchases — Rs 12,000 per billing cycle
- Additional 1.5% on Fuel bonus via HP Pay App
- 5% accelerated rewards on Groceries, utilities, FASTag recharges
Welcome bonus: Up to Rs 2,500 value (aggregator-sourced)
Redemption
Ratio: 1 point = Rs 0.25
- Total fuel savings up to 6.5%, combining HPCL rate + HP Pay App bonus
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low annual fee and strong welcome benefits — Paisabazaar
Complaints
- Modest point redemption value — Paisabazaar
- Lounge access is spend-dependent — Paisabazaar
- No fuel surcharge waiver — Paisabazaar
- Fuel rewards restricted to HPCL purchases only — Paisabazaar
Sources
- Official — page shared with base Power card; JS-rendered, did not return full detail content
- Aggregator — fees, eligibility, lounge, rewards, sentiment