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IDFC FIRST Bank

IDFC FIRST Bank FIRST Power & Power+

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹499 + GST

₹499+GST for FIRST Power+ and ₹199+GST for FIRST Power

Annual fee

₹499 + GST

₹499 + GST (FIRST Power+); ₹199 + GST (FIRST Power)

What it gives back

FIRST Power+: 3X rewards on all other retail spends; FIRST Power: 2X rewards on retail spends.

Read from 13 IDFC FIRST Bank documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

  • Annual feeJoining fee

    ₹499 + GST₹499 + GST (FIRST Power+); ₹199 + GST (FIRST Power)

  • Fee waiver rule

    The annual fee is waived off on spending ₹150,000 or more in the previous year (FIRST Power+); on a yearly spending of ₹50,000 in the previous year (FIRST Power)

Welcome offer

  • Welcome benefit

    FIRST Power+ Credit Card: ₹500 Gift Voucher on your first HPCL fuel transaction of ₹500 or more; FIRST Power Credit Card: ₹250 gift voucher on your first HPCL transaction of ₹250 or more.

Rewards

  • Reward rate

    FIRST Power+: 3X rewards on all other retail spends; FIRST Power: 2X rewards on retail spends.

  • Fuel earning

    FIRST Power+: 30X Reward Points on HPCL fuel spends; FIRST Power: 21X Reward Points on HPCL fuel spend (for every ₹150 spent)

  • Groceries earning

    FIRST Power+: 30X Reward Points on Grocery; FIRST Power: 15X Reward Points on Grocery (for every ₹150 spent)

  • Travel earning

    26.67% savings on Hotel bookings; 13.33% savings on Flight bookings.

  • Utilities earning

    FIRST Power+: 30X Reward Points on Utility; FIRST Power: 15X Reward Points on Utility (for every ₹150 spent)

Card benefits

  • Domestic lounge access

    FIRST Power+: complimentary domestic airport lounge access, once per quarter (on ₹20,000 monthly spends)

  • Movie or entertainment ticket benefit

    FIRST Power+: 25% off on movie tickets (up to ₹100 per month)

  • Minimum spend rules

    First HPCL fuel transaction of ₹500 or more (₹250 or more for FIRST Power) made within 30 days of card generation; only cardholders who have paid the Joining Fee are eligible for this offer

Also included

  • Insurance benefit

    Personal accident cover of ₹2 lakh.

  • Lost card liability

    Lost card liability cover of ₹25,000.

  • Add-on card eligibility

    IDFC FIRST Bank allows you to extend an Add-on card to your family member.

Charges

  • Forex markup

    0% on foreign currency transactions.

  • Cash advance fee

    Cash withdrawal fee of ₹199 + GST for every transaction

  • Cash advance interest

    0% interest on ATM cash withdrawals until the due date

  • Interest on unpaid balance

    0.71% to 3.85% per month (8.5% to 46.2% per annum)

  • Interest-free period

    48 days interest-free when you pay in full.

  • Late payment fee

    15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)

  • Reward redemption fee

    Redemption charge of ₹99 + GST

  • What the card's fee or benefit year means

    FIRST Power+ credit card comes with a joining fee of ₹499 + GST and same as the annual fee thereafter

Eligibility

  • Income requirement

    Annual Income of ₹3 lacs or more.

  • Minimum age

    At least 21 years old.

In the terms, not the brochure (1)

  • Spends that do not count toward the fee waiver

    Spends milestones of ₹1,50,000 and ₹50,000 include all the purchases (excluding ATM Cash Withdrawal, Balance Transfer, monthly EMIs, fees and charges) net of reversals/refunds

How we know - 13 documents from IDFC FIRST Bank, checked 19 Oct 2026

13 documents from IDFC FIRST Bank, checked 19 Oct 2026.

  • Linked page on www.idfcfirst.bank.in6 Oct 2026Proof
  • Card pageProof
  • IDFC FIRST Power+Proof
  • IDFC FIRST Power Credit CardProof
  • Terms & Conditions for Bonus Reward Points earn and redemption on, 18 Jun 2026Proof
  • FIRST Power & FIRST Power+Proof
  • FIRST Power Credit Card Savings MaximiserProof
  • MITCProof
  • FIRST Power plus Product Guide 26th SeptProof
  • FIRST Power Product Guide New 16 Aug 24 2 finalProof
  • Key Fact StatementProof
  • Card terms and conditionsProof
  • Lounge access termsProof

On these lists

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₹499 a year

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