Experience an elevated lifestyle with the IDFC FIRST Power+ Credit Card. This premium card offers a comprehensive suite of benefits designed for discerning individuals. Enjoy exclusive privileges such as a 25% discount on movie tickets booked via the Paytm mobile application (up to ₹100 per month), a welcome benefit valued at ₹1650, and triple reward points (3x) on all retail transactions of ₹150 or more. Further advantages include a 1% waiver on HPCL fuel purchases and robust insurance coverage, including accident insurance and zero liability for lost or stolen cards. For a modest annual fee of ₹499, unlock the unparalleled rewards and convenience of India’s premier IDFC Rewards credit card.
Features
- Accumulate 3X reward points on other retail transactions.
- Reward yourself with 5% savings on utility and grocery expenses.
- Get a 1% fuel surcharge waiver on fuel purchases at Authorized HPCL Fuel stations..
Welcome Offer
- Enjoy the welcome benefit of ₹2500.
- Get ₹500 cashback on your first fuel transaction of ₹500 or more at HPCL stations.
- Enjoy 5% cashback, capped at ₹1,000, on the amount of your first EMI conversion transaction.
- Receive a ₹150 discount on Swiggy orders over ₹500.
- Avail ₹1000 off on car rentals through ZoomCar.
- Benefit from discounts of up to 50% on both domestic and international car rentals with Eco Rent-A-Car and Europcar.
- Note: All these offers are valid within 30 days of setting up your card.
Fees & Charges
Below mentioned are the fees and charges associated with this credit card:
| Title | Details |
| Joining Fee | ₹ 499 /-*Applicable Taxes |
| Annual Fee | ₹ 499 /-*Applicable Taxes |
| Finance Charges | 3.5% p.m. (47.40% p.a.) |
| Late Payment Charges | For Statement Balance:
Up to Rs. 100 – Nil |
IDFC First Power+ Credit Card Overview
IDFC First Power+ Credit Card: Empower Your Spending, Enrich Your Life.
The IDFC FIRST Power+ Credit Card offers exceptional versatility, convenience, and rewarding experiences, establishing itself as a leading credit card in India. More than just a payment method, it’s a comprehensive financial tool designed to enhance your lifestyle.
Key benefits include extensive insurance coverage, complimentary airport lounge access, and a robust rewards program that maximizes value on everyday spending, from dining and travel to fuel purchases. The card facilitates financial flexibility through features such as instant EMI conversions and a suite of add-on benefits, simplifying financial management.
Competitive interest rates and minimal fees ensure cost-effectiveness, allowing cardholders to both spend and save. A user-friendly design streamlines the entire customer journey, from application to rewards redemption. The IDFC FIRST Power+ Credit Card provides a seamless and rewarding financial experience for the discerning consumer.
Eligibility Criteria
The applicant must meet the below eligibility criteria to
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Age | 21 to 60 years (or till retirement age) |
| Minimum Income Required | Rs. 20,000 per month |
| Self-employed | ITR 600000 |
IDFC First Power Plus Credit Card Features & Benefits
In a crowded market of financial tools, the IDFC First Power+ Card stands out as one of the best credit cards in India. The card is meticulously designed to offer a blend of essential features and extra perks, catering to a broad spectrum of your needs.
IDFC First Power Plus Card Insurance Benefits
Insurance isn’t just an add-on; it’s a necessity. As one of the best credit cards in India, the IDFC First Power+ Card offers comprehensive insurance benefits that provide you with a safety net in the event of unexpected emergencies. You can go about your daily activities knowing you are covered.
- Receive accidental coverage of up to ₹2,00,000.
- Benefit from a lost card liability protection of ₹25,000.
IDFC First Power Plus Card Lounge Benefits
Airport lounges offer an oasis of comfort in hectic travel schedules. This card makes your journeys more pleasant by granting complimentary domestic airport lounge access once every quarter. The benefits that you get are as follows: Enjoy one free domestic airport lounge visit per quarter, with a minimum monthly spend of ₹20,000.
IDFC First Power+ Card Additional Benefits
Financial flexibility is key to effective money management. This card delivers on that front by offering an array of additional benefits that provide convenience without causing a dent in your wallet.
- Choose the EMI option for convenient instalment payments.
- Earn up to 10,000 reward points by referring friends (2,000 points per card setup).
- Offer a supplementary card to a travel companion at no extra cost.
- Free roadside assistance valued at ₹1,399.
IDFC First Power Plus Credit Card Reward Benefits
Why settle for less when your credit card can give back so much more? With its impressive rewards program, this card ensures that every rupee you spend enriches your experience, making it rewarding to use for day-to-day expenses or luxury buys and one of the best reward credit cards in India.
- Up to 6.5% saving on your fuel expenses.
- Gives 5% in savings as Rewards on IDFC FIRST FASTag
- Allows 5% in savings as Rewards on Grocery and utility expenses
- 3x reward point on other retail transactions.
Although this card is widely recognised as one of India’s top rewards credit cards due to its extensive benefits, it’s worth noting that there are some limitations on earning reward points.
- Certain restrictions apply, such as reward points not being applicable on non-HPCL fuel, insurance premiums, EMI transactions, and cash withdrawals.
IDFC First Power Plus Card Reward Redemption Benefits
The Power+ Card not only lets you earn points but also provides unparalleled flexibility in how you use them. With lifetime validity and diverse redemption options, these points serve almost as a secondary currency for you.
- Allows online redemption of reward points at any time.
- Features a versatile range of options for using the points, making them almost as good as cash.
IDFC First Power Plus Credit Card Lifestyle Benefits
Your card is not just a payment tool; it’s a lifestyle enabler. With deals across dining, wellness, and entertainment sectors, it enhances your overall quality of life without stretching your budget.
- Provides significant savings on Grocery and utility expenses, with a 5% reward rate on expenses up to ₹2,000 every month.
- Offers a 25% discount on movie tickets, capped at ₹100, once every month.
- Designed as a comprehensive lifestyle card, offering year-round deals across various categories such as dining, health, and wellness.
IDFC First Power Plus Credit Card Fuel Benefits
Fuel costs can add up quickly. But with this being one of the best fuel credit cards in India, you can combat rising fuel prices effectively. Specifically designed to give you savings on fuel expenses, it makes your travel both affordable and enjoyable.
- Boasts up to 6.5% in savings on fuel-related expenses.
- Features a 4% reward rate on HPCL fuel & LPG purchases up to ₹10,000 every month.
- Provides an additional 1.5% in Payback Rewards when fueling through the HP Pay App up to ₹5,000 every month.
- Offers a 1% fuel surcharge waiver on fuel expenses up to ₹20,000 every month