FIRST Power Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC First Bank
Network: Visa | Tier: Entry
The FIRST Power Credit Card is an Entry Visa credit card issued by IDFC FIRST Bank, best suited for domestic everyday spenders looking for low-cost utility card. IDFC FIRST credit card offering rewards, lifestyle benefits and digital convenience. It carries a joining fee of ₹199 and an annual fee of ₹199 (waived on eligible annual spends of ₹10 lakh), with an interest rate of 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a.. Key benefits include Reward points, Lifestyle offers, Fuel surcharge waiver, and Digital features. Reward earnings work as follows: 21X fuel; 15X grocery/utilities; 2X elsewhere. New cardholders get a welcome benefit of ₹250 HPCL voucher. On fees — Lounge access: Limited domestic lounge benefit; Foreign transaction markup: Not Applicable (domestic-use card; foreign markup not applicable); Fuel surcharge: 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle. Applicants typically need ₹3L+ annual income (typical) to qualify. It falls under the Rewards category on CreditCardHunt.
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Why Choose the FIRST Power Credit Card?
The FIRST Power Credit Card is a Entry-tier Visa credit card issued by IDFC First Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Domestic everyday spenders looking for low-cost utility card. With a reward rate of 21X fuel; 15X grocery/utilities; 2X elsewhere and an annual fee of ₹199 (waived on eligible annual spends of ₹10 lakh), it ranks among the popular Rewards cards in India in 2026.
New cardholders are welcomed with ₹250 HPCL voucher, which adds immediate value in the first year and helps recover the ₹199 joining fee.
FIRST Power Credit Card Fees & Charges
| Annual Fee | ₹199 (waived on eligible annual spends of ₹10 lakh) |
|---|---|
| Joining Fee | ₹199 |
| Interest Rate | 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a. |
| Foreign Markup | Not Applicable (domestic-use card; foreign markup not applicable) |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle |
FIRST Power Credit Card Rewards & Benefits
| Reward Rate | 21X fuel; 15X grocery/utilities; 2X elsewhere |
|---|---|
| Welcome Bonus | ₹250 HPCL voucher |
| Lounge Access | Limited domestic lounge benefit |
| Best For | Domestic everyday spenders looking for low-cost utility card |
Key Highlights of the FIRST Power Credit Card
- Reward points
- Lifestyle offers
- Fuel surcharge waiver
- Digital features
FIRST Power Credit Card Eligibility Criteria
- Age 18+
- Good credit score
- As per bank eligibility
Minimum Income Required: ₹3L+ annual income (typical)
Advantages of the FIRST Power Credit Card
- Competitive benefits — a genuine plus for anyone eyeing this entry card.
- Flexible usage — a real advantage for domestic everyday spenders looking for low-cost utility card.
Drawbacks of the FIRST Power Credit Card
- Benefits vary by card variant — worth weighing before you apply.
FIRST Power Credit Card — Frequently Asked Questions
What is the annual fee of the FIRST Power Credit Card?
The FIRST Power Credit Card has an annual fee of ₹199 (waived on eligible annual spends of ₹10 lakh) and a joining fee of ₹199. New cardholders receive ₹250 HPCL voucher as a welcome benefit, which helps offset the joining cost.
Does the FIRST Power Credit Card offer airport lounge access?
Yes — the FIRST Power Credit Card offers Limited domestic lounge benefit.
Who is eligible for the FIRST Power Credit Card?
The minimum income requirement is ₹3L+ annual income (typical). Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the FIRST Power Credit Card?
The FIRST Power Credit Card earns 21X fuel; 15X grocery/utilities; 2X elsewhere. It is best suited for Domestic everyday spenders looking for low-cost utility card.
Credit Cards Similar to the FIRST Power Credit Card
If you are considering the FIRST Power Credit Card, these rewards credit cards are worth comparing before you apply:
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.4/5