IDFC
IDFC FIRST Power Plus Credit Card
This is an invite only card
Apply and get ₹750 Rewards
Top Benefits
5% rewards on FASTag recharges
when you recharge your IDFC FIRST FASTag through the IDFC FIRST Bank Mobile App or FIRST Forward App
Up to 30X Reward Points on HPCL Fuel
on spends up to ₹12,000 per statement cycle, helping you earn up to 2,400 reward points every month on fuel purchases
Best For
Fuel
Grocery Shopping
Utility Bills
Joining / Annual Fee
Joining Fees
₹589 ( ₹499 + GST )
Annual Fees
₹589 ( ₹499 + GST )
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
3LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Grocery and utility spends capped at ₹2,000 per statement cycle (maximum 400 Reward Points)
- 5% savings as Reward Points on IDFC FIRST FASTag recharges done via IDFC FIRST Bank Mobile Banking App or FIRST Forward App
- FASTag recharge reward structure: 30 Reward Points per ₹150, capped at ₹1,000 per statement cycle (maximum 200 Reward Points)
- 3X Rewards on UPI spends and other eligible retail transactions
- 3 Reward Points per ₹150 on eligible UPI/other retail spends (1 Reward Point = ₹0.25)
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- IDFC FIRST Bank Mobile App
- Travel & Shop
- Flight and hotel booking
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Insurance Premium Payments
EMI Transactions
ATM Cash Withdrawals
Utility Spends
Grocery Spends
IDFC FIRST FASTag Recharges
Fuel Spends Expect HPCL Fuel
For Spends Waiver
Insurance Premium Payments
EMI Transactions
ATM Cash Withdrawals
Utility Spends
Grocery Spends
IDFC FIRST FASTag Recharges
Fuel Spends Expect HPCL Fuel
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1.99% Forex Markup is charged on all transactions made in currencies other than INR. This applies when you shop on international websites or swipe your card abroad at physical stores. | 1.99% |
APR Fees Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5%–46.2% p.a.). | 3.85% |
ATM withdrawal A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days). | ₹199 |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets. | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees No Cash Payment fee is charged | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹500 |
| ₹5000 | ₹5000 |
| ₹8000 | ₹8000 |
| ₹10,000 | ₹10,000 |
| ₹10,000 & above | ₹10,000 & above |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹750 Rewards
Top Benefits
5% rewards on FASTag recharges
when you recharge your IDFC FIRST FASTag through the IDFC FIRST Bank Mobile App or FIRST Forward App
Up to 30X Reward Points on HPCL Fuel
on spends up to ₹12,000 per statement cycle, helping you earn up to 2,400 reward points every month on fuel purchases
The smartest way to find your great credit card
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