IDFC Power credit card credit card
Joining Fee:

₹199 +GST

Return Percentage:

1% to 2%

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Credit Card Overview

A First Power card designed for lifestyle and utility spends, offering rewards across essential categories with milestone benefits.

Best Suited For: Cashback, Catalogue Products

IDFC logoIDFCRuPay

Fees and charges at a glance

Annual fee
₹199

Charged every year you keep the card

Joining fee
₹199

Paid once when you get the card, plus GST

Reward rate
1% to 2%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
46.2% p.a.

Only if you don't pay the full bill

Add-on card
₹499

An extra card for family

IDFC Power credit card — Earn Categories

Where you earn more

  • HPCLFuel · Fuel21 reward points / ₹150

    1% charge on this category

  • Fastag via IDFC15 reward points / ₹150

    Applicable on: IDFC FIRST FASTag recharge done using IDFC FIRST Bank Mobile Banking App or FIRST Forward App.|A maximum of 200 Reward Points can be earned per statement cycle, subject to maximum spends of ₹2,000 per statement cycle.

Everyday rate

  • Base Rewards2 Reward Points (reward points) / ₹150

4 more earning categories on this card

We track all 7 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Fuel
  • Jewellery
  • EMI
  • Wallets