IDFC FIRST Power Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Mid-Range
The IDFC FIRST Power Credit Card is a Mid-Range Visa credit card issued by IDFC FIRST Bank, best suited for fuel users. It carries a joining fee of ₹499, with an interest rate of 2.99% per month. Key benefits include Fuel rewards and 5% fuel cashback. New cardholders get a welcome benefit of Welcome cashback. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 5% fuel. Applicants typically need ₹3,00,000/year to qualify. It falls under the Co-branded and Fuel category on CreditCardHunt.
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Why Choose the IDFC FIRST Power Credit Card?
The IDFC FIRST Power Credit Card is a Mid-Range-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 Fuel users. With a reward rate of 5% fuel cashback and an annual fee of ₹499, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with Welcome cashback, which adds immediate value in the first year and helps recover the ₹499 joining fee.
IDFC FIRST Power Credit Card Fees & Charges
| Annual Fee | ₹499 |
|---|---|
| Joining Fee | ₹499 |
| Interest Rate | 2.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 5% fuel |
IDFC FIRST Power Credit Card Rewards & Benefits
| Reward Rate | 5% fuel cashback |
|---|---|
| Welcome Bonus | Welcome cashback |
| Lounge Access | None |
| Best For | Fuel users |
Key Highlights of the IDFC FIRST Power Credit Card
- Fuel rewards
- 5% fuel cashback
IDFC FIRST Power Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹3,00,000/year
Minimum Income Required: ₹3,00,000/year
Advantages of the IDFC FIRST Power Credit Card
- Fuel savings — a genuine plus for anyone eyeing this mid-range card.
Drawbacks of the IDFC FIRST Power Credit Card
- Niche — worth weighing before you apply.
IDFC FIRST Power Credit Card — Frequently Asked Questions
What is the annual fee of the IDFC FIRST Power Credit Card?
The IDFC FIRST Power Credit Card has an annual fee of ₹499 and a joining fee of ₹499. New cardholders receive Welcome cashback as a welcome benefit, which helps offset the joining cost.
Does the IDFC FIRST Power Credit Card offer airport lounge access?
No, the IDFC FIRST Power Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the IDFC FIRST Power Credit Card?
The minimum income requirement is ₹3,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IDFC FIRST Power Credit Card?
The IDFC FIRST Power Credit Card earns 5% fuel cashback. It is best suited for Fuel users.
Credit Cards Similar to the IDFC FIRST Power Credit Card
If you are considering the IDFC FIRST Power Credit Card, these co-branded credit cards are worth comparing before you apply:
- AU ixigo Credit Card by AU Small Finance Bank — rated 4.7/5, NIL annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 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