IDFC FIRST Power Plus Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC First Bank
Network: Visa | Tier: Mid-Range
The IDFC FIRST Power Plus Credit Card is a co-branded fuel card designed to maximize savings on daily commutes. It offers exceptional rewards on HPCL fuel purchases, utility bills, and grocery spending, with points that never expire.
Why Choose the IDFC FIRST Power Plus Credit Card?
The IDFC FIRST Power Plus Credit Card is a Mid-Range-tier Visa credit card issued by IDFC First Bank, rated 4.6/5 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 Plus 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 Plus Credit Card Rewards & Benefits
| Reward Rate | 5% fuel cashback |
|---|---|
| Welcome Bonus | Welcome cashback |
| Lounge Access | 1 domestic lounge/quarter on spend criteria |
| Best For | Fuel users |
Key Highlights of the IDFC FIRST Power Plus Credit Card
- Fuel rewards
- 5% fuel cashback
IDFC FIRST Power Plus 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 Plus Credit Card
- Up to 6.5% savings on HPCL fuel and LPG purchases
- 5% savings on grocery and utility bill payments
- Reward points carry lifetime validity and never expire
- Complimentary domestic airport lounge access and roadside assistance
- 1X rewards on all other retail spending
Drawbacks of the IDFC FIRST Power Plus Credit Card
- Surcharges apply if used at non-HPCL fuel stations
- Monthly caps on maximum accelerated rewards per category
- Annual fee of ₹499 + GST
- High spend threshold (₹1.5 Lakhs) for annual fee waiver
- Limited benefits tailored for international travel or online shopping
IDFC FIRST Power Plus Credit Card — Frequently Asked Questions
What is the annual fee of the IDFC FIRST Power Plus Credit Card?
The IDFC FIRST Power Plus 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 Plus Credit Card offer airport lounge access?
Yes — the IDFC FIRST Power Plus Credit Card offers 1 domestic lounge/quarter on spend criteria.
Who is eligible for the IDFC FIRST Power Plus 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 Plus Credit Card?
The IDFC FIRST Power Plus Credit Card earns 5% fuel cashback. It is best suited for Fuel users.
Credit Cards Similar to the IDFC FIRST Power Plus Credit Card
If you are considering the IDFC FIRST Power Plus Credit Card, these co-branded credit cards are worth comparing before you apply:
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
- Vistara Signature Credit Card by Axis Bank — rated 4.6/5, ₹3,000 annual fee
Expert Rating: 4.6/5