At a Glance
Key Benefits
Reward points
Lounge Access
No lounge access
Eligibility
Any income level, Age: 21-60 years
Quick Details
Annual Fee
₹999
#165
Joining Fee
₹999
#166
Rewards/₹100
₹0.75 - ₹2.50
#114
Reward Type Reward Points
Reward Currency Points
Min Monthly Income ₹NaN
Network VISA
fuel_surcharge_waiver 1.00%
Fee Waiver on Spend ₹1,00,000/yr
Reward Structure
Accel
Partner Brands (10X)
₹2.50 /₹100
Base
All Other Spends
₹0.75 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned3,600
Cash Value₹900
Breakdown
Partner Brands (10X)3,000
Other Spends600
Total Value₹900
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days of loss/theft.
Fraud
₹0
Zero liability for unauthorized transactions when reported immediately to the bank.
Quick Analysis
The IDFC First Bank IDFC FIRST Power is a solid credit card option. With an annual fee of ₹999, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Annual fee waiver on spending ₹100000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High income requirement of ₹360K per month
Best For
Lifestyle users seeking balanced rewards on dining and entertainment
Frequently Asked Questions
What are the fees for IDFC FIRST Power Credit Card?
The IDFC FIRST Power Credit Card has a joining fee of Rs 999 and annual fee of Rs 999. The annual fee can be waived on spending Rs 100,000 in the previous year.
What is the eligibility criteria for IDFC FIRST Power Credit Card?
To be eligible for the IDFC FIRST Power Credit Card, you need a minimum monthly income of varies based on profile, age between 21-60 years, and a credit score of 700+. IDFC First Bank customers with existing relationships may get preferential treatment.
What rewards does IDFC FIRST Power Credit Card offer?
The IDFC FIRST Power Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 0.25. Points can be redeemed for vouchers, merchandise, or travel bookings through the IDFC First Bank rewards portal.
Does IDFC FIRST Power Credit Card offer airport lounge access?
The IDFC FIRST Power Credit Card may provide limited or no complimentary lounge access. Please check with IDFC First Bank for the latest lounge access benefits.
How can I apply for IDFC FIRST Power Credit Card?
You can apply for the IDFC FIRST Power Credit Card through IDFC First Bank official website, mobile app, or by visiting your nearest IDFC First Bank branch. Existing customers can also apply through net banking.
User Reviews
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