IDFC FIRST Power+ Credit Card
IDFC FIRST Bank · RuPay · Entry card
Combines fuel, grocery, utility and FASTag rewards with a reachable annual-fee waiver.
Households whose spend leans HPCL fuel, groceries, utilities and FASTag.
Terms checked 13 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 0.5%
- Forex markup
- 0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 5% |
| Bills & utilities | 5% |
| Fuel & commute | 0.5% |
| Online shopping | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Subscriptions & streaming | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Insurance premiums | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Other miscellaneous | 0.5% |
| Gold & jewellery | 0.5% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- HPCL fuel reward value: ₹250/month · Grocery reward value: ₹150/month · Utility reward value: ₹100/month
- Annual fee waiver
- At ₹1,50,000 annual spending
- Monthly income requirement
- Approx. ₹25,000/month salaried · ₹25,000/month self-employed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
Requires ₹20,000 per Calendar month
Spend condition: ₹20,000 eligible spend in a calendar month.
Movies and entertainment
District · 25% discount · up to ₹100 · 1 use/month
Requires ₹1 per Calendar month for the following calendar month.
Availability: Any settled card transaction in the previous calendar month is required from June 18, 2026..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 10 items
HPCL fuel rewards
Usage-based value30 points per ₹150 only on eligible HPCL fuel purchases.
Conditions: 30 points per ₹150 only on eligible HPCL fuel purchases.
Grocery rewards
Usage-based value30 points per ₹150 on eligible grocery purchases.
Utility rewards
Usage-based value30 points per ₹150 on eligible utility and IDFC FIRST FASTag transactions.
Mobile-app hotel bonus
Usage-based value26.67% bonus reward value on mobile-app hotel bookings over the applicable 0.5% base reward.
Conditions: 26.67% bonus reward value on mobile-app hotel bookings over the applicable 0.5% base reward.
Mobile-app flight bonus
Usage-based value13.33% bonus reward value on mobile-app flight bookings over the applicable 0.5% base reward.
Conditions: 13.33% bonus reward value on mobile-app flight bookings over the applicable 0.5% base reward.
UPI and other retail rewards
Usage-based value3 points per ₹150 on eligible UPI and other retail spend.
Up to ₹1,000 cashback on the first eligible EMI conversion
Shown without a cash valueHP Pay can separately award up to 600 Happy Coins monthly; that partner currency is not added to card rewards
Shown without a cash value30X points on eligible HPCL fuel, groceries, utilities and IDFC FIRST FASTag recharge
Shown without a cash value3X points on UPI and other eligible retail purchases
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹1,50,000 of eligible annual spending.
Conditions: Reach ₹1,50,000 eligible annual spending
Welcome benefits · 4 items
₹500 HPCL voucher
Recorded value ₹500Fixed-value voucher on the qualifying first HPCL purchase.
Conditions: Pay the joining fee · Make an eligible HPCL fuel transaction of at least ₹500 within 60 days · UPI and add-on-card transactions are excluded
First-EMI cashback
Shown without a cash value5% cashback up to ₹1,000 on the first eligible EMI conversion.
Conditions: Complete the first eligible EMI conversion within 30 days · Cashback depends on transaction value and is not assumed by the recommendation engine
Merchant welcome offers
Shown without a cash valueIssuer-advertised merchant offers worth ₹1,000 or more.
Conditions: Participating merchant, coupon, validity and purchase conditions apply
Merchant welcome offers advertised above ₹1,000, subject to partner terms
Shown without a cash value
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹20,000 per calendar month
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹1,20025% discount up to ₹100, 1 time per month. Any settled card transaction in the previous calendar month is required from June 18, 2026.
Conditions: Spend ₹1 per calendar month
Insurance and protection · 2 items
Personal-accident cover of ₹2 lakh
Shown without a cash valueLost-card liability cover of ₹25,000
Shown without a cash value
Fuel benefits · 1 item
No fuel surcharge waiver
Shown without a cash value
Foreign-currency charges · 2 items
Zero forex markup
Usage-based value0% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Zero forex markup on all global spends under the September 2026 portfolio change
Shown without a cash value
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹25,000. Monthly threshold derives from the published ₹3 lakh annual income condition.
Other benefits · 1 item
Roadside assistance worth ₹1,399 with four services yearly
Shown without a cash value
Other categories (7)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 30X points on eligible HPCL fuel, groceries, utilities and IDFC FIRST FASTag recharge
- ✓ 3X points on UPI and other eligible retail purchases
- ✓ One domestic airport lounge visit per quarter after ₹20,000 monthly spend
- ✓ Zero forex markup on all global spends under the September 2026 portfolio change
What to watch
The elevated rates are limited to eligible merchants and categories and remain subject to issuer caps.
Recorded exclusions
Rent · Wallet load · Cash withdrawal · Balance transfer · Emi · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value improved
Zero forex markup introduced
IDFC FIRST Bank extended zero forex markup to all existing and new credit cards.
- Before
- FIRST Power+ carried the standard 3.5% foreign-currency markup.
- After
- Eligible global purchases carry 0% issuer forex markup.
Checked 21 Sept 2026IDFC FIRST Bank zero-forex announcement ↗ - Mixed impact
Travel bonus and movie activity condition revised
The card retained app travel bonuses, added the credit-limit earning boundary and made monthly movie access depend on prior-month card activity.
- Before
- The prior reward-limit and movie qualification terms applied.
- After
- Rewards stop beyond the credit limit in a billing cycle; hotel/flight app bonuses continue and any prior-month transaction unlocks the monthly movie offer.
Checked 21 Sept 2026IDFC FIRST Power+ June 2026 update ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 17 Sept 2026