IDFC FIRST Power Credit Card
Rs 199Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
fuel, hpcl, upi, grocery, utility bills
Top rewards
HPCL Fuel spends: 21 Reward Points per INR 150 spent; Grocery and utility spends: 15 Reward Points per INR 150 spent; Other retail and UPI spends: 2 Reward Points per INR 150 spent
IDFC FIRST Power+ Credit Card
Rs 499Annual fee
Rs 1,50,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 1 complimentary domestic airport lounge visit per quarter, subject to a minimum spend of Rs 20,000 in the previous calendar month.
3.5%Forex markup
Best for
fuel, hpcl, upi, grocery, lounge
Top rewards
HPCL Fuel spends: 30 Reward Points per INR 150 spent; Grocery and utility bills spends: 30 Reward Points per INR 150 spent; Other retail and UPI spends: 3 Reward Points per INR 150 spent
| Feature | IDFC FIRST Power Credit Card | IDFC FIRST Power+ Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 199 | Rs 499 |
| Annual fee | Rs 199 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 1,50,000 |
| Reward type | reward points | reward points |
| Best for | fuel, hpcl, upi, grocery, utility bills | fuel, hpcl, upi, grocery, lounge |
| Top reward categories | HPCL Fuel spends: 21 Reward Points per INR 150 spent; Grocery and utility spends: 15 Reward Points per INR 150 spent; Other retail and UPI spends: 2 Reward Points per INR 150 spent | HPCL Fuel spends: 30 Reward Points per INR 150 spent; Grocery and utility bills spends: 30 Reward Points per INR 150 spent; Other retail and UPI spends: 3 Reward Points per INR 150 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions at non-HPCL stations, EMI transactions, Cash withdrawal / cash advance transactions | Fuel transactions at non-HPCL stations, EMI transactions, Cash withdrawal / cash advance transactions |