IDFC FIRST Power Credit Card: 7 Powerful Benefits, Fees & Rewards

The IDFC FIRST Power Credit Card is designed for customers who want to save on fuel and LPG expenses while earning rewards that never expire. The card also offers benefits such as interest-free ATM cash withdrawals, roadside assistance, and a welcome cashback offer on an eligible HPCL fuel transaction.

If you frequently spend on fuel or LPG and want a credit card with long-term rewards, the IDFC FIRST Power Plus Credit Card is worth considering. In this guide, we explain the IDFC FIRST Power Plus credit card benefits, rewards, fuel savings, fees, eligibility, documents, pros and cons, and frequently asked questions.

Note: Benefits, eligibility, fees and offers may change. Always check the latest official terms and conditions before applying.

IDFC FIRST Power Credit Card Benefits at a Glance

Here are some of the key benefits highlighted for the IDFC FIRST Power Credit Card:

• Fuel savings of up to 5%*
• Unlimited rewards that never expire
• Interest-free ATM cash withdrawals
• ₹250 cashback on the first eligible HPCL fuel transaction of ₹250 or above*
• 3.5% savings on eligible HPCL fuel and LPG spends
• Additional 1.5% savings as Payback Rewards when using the HP Pay app
• Complimentary roadside assistance up to 4 times per year
• Roadside assistance benefit valued at up to ₹1,399 annually
• Joining fee of ₹199 + GST
• Annual fee of ₹199 + GST

*Offer and benefit eligibility are subject to applicable terms and conditions.

IDFC FIRST Power Plus Credit Card Benefits for Fuel Savings

One of the major reasons to consider the IDFC FIRST Power Plus credit card is its fuel-focused benefits. The card is positioned as a useful option for customers who regularly spend on HPCL fuel and LPG.

Cardholders can get 3.5% savings on eligible HPCL fuel and LPG spends. In addition, customers can earn an extra 1.5% savings as Payback Rewards when they use the HP Pay app, potentially taking the total savings opportunity to up to 5%.

This makes the card particularly relevant for people who regularly use their vehicle or have recurring LPG expenses.

IDFC FIRST Power Plus Credit Card Fuel Surcharge Waiver

The available information provided for this offer highlights fuel savings and rewards but does not specify the exact fuel surcharge waiver amount, transaction limits or monthly/annual cap.

Therefore, before applying, check the latest official IDFC FIRST Power Credit Card terms to confirm the current fuel surcharge waiver conditions.

IDFC FIRST Power+ Credit Card Reward Points Value

The IDFC FIRST Power Credit Card highlights unlimited rewards that never expire. This can be useful for cardholders who prefer to accumulate rewards over a longer period without worrying about an expiry deadline.

However, the exact IDFC FIRST Power+ Credit Card reward points value and redemption rate are not specified in the information provided for this offer.

Before applying, it is important to check the latest reward catalogue and redemption terms to understand:

• How many reward points you earn
• The value of each reward point
• Available redemption options
• Minimum redemption requirements
• Whether any redemption fees apply
• Any exclusions or restrictions

IDFC FIRST Power Plus Credit Card Reward Points Redemption

The biggest attraction of the rewards program is that the rewards are described as never expiring. This gives cardholders more flexibility to accumulate rewards over time.

For the exact IDFC FIRST Power Plus Credit Card reward points redemption process, customers should refer to the current IDFC FIRST Bank rewards program terms. Redemption options and reward values may change, so it is recommended to check the latest official information before making a decision.

IDFC FIRST Power+ Credit Card Lounge Access

If you are specifically searching for IDFC FIRST Power+ Credit Card lounge access, the information supplied for this offer does not mention any complimentary domestic or international airport lounge access.

Therefore, lounge access should not be assumed as a confirmed benefit based on the information available here.

If airport lounge access is important to you, verify the latest card benefits directly with the bank before applying.

IDFC FIRST Power Credit Card Welcome Benefits

New eligible cardholders can receive a ₹250 cashback on their first eligible HPCL fuel transaction of ₹250 or above, subject to the applicable terms and conditions.

This welcome offer can be particularly useful for customers who already purchase fuel at HPCL outlets.

Always verify the current offer period and eligibility conditions before applying.

IDFC FIRST Power Credit Card Roadside Assistance

Another useful benefit is complimentary roadside assistance.

The card offers roadside assistance for up to 4 instances per year, with the stated benefit value of up to ₹1,399 annually.

This feature may be valuable for regular drivers who want additional support in case of certain roadside emergencies. The exact services covered and eligibility conditions should be checked in the latest terms and conditions.

IDFC FIRST Power Credit Card Fees and Charges

The fees provided for this card are:

Fee Type	Charges
Joining Fee	₹199 + GST
Annual Fee	₹199 + GST

Before applying, check the latest official schedule of charges because card fees and terms may be revised by the issuer.

IDFC FIRST Power Credit Card Eligibility Criteria

The stated eligibility requirements include:

• Age: 21 to 65 years
• Employment: Salaried and self-employed applicants
• Salaried income: ₹25,000 per month
• Self-employed income: ₹5,00,000 per year

Meeting these criteria does not necessarily guarantee approval. The final application decision may depend on the bank’s internal credit assessment and other applicable requirements.

Documents Required for IDFC FIRST Power Credit Card

Applicants may need to provide the following documents:

Identity Proof

• PAN Card or Form 60

Address Proof

Any eligible document such as:

• Aadhaar Card
• Passport
• Utility bill

Income Proof

Depending on your employment type, you may need:

• Bank statements
• Salary slips

Photograph

• Recent passport-sized photograph

The exact documentation requirements may vary depending on the applicant and the bank’s verification process.

You can apply through the applicable online application process. Keep your PAN details, Aadhaar-linked mobile number and income information ready before beginning the application.

For the application process, use the official IDFC FIRST Bank website and review the current card details, fees, eligibility and terms before submitting your application.

Important: The promotional information provided for this offer states that applicants should use an Aadhaar-linked mobile number when completing the application.

Important Application and Profit Terms

If you are applying through a promotional referral or affiliate offer, the following conditions provided with the offer are important:

• Application tracking time: Up to 72 hours after Application ID generation
• Confirmation timeline: Within 75 days of card activation
• Profit on IDFC Bank App applications: Not applicable
• Profit on referral earnings: Not applicable
• Existing or previous IDFC Credit Card holders may not be eligible for the promotional profit
• A minimum transaction of ₹100 within 30 days is mandatory to activate the card for the promotional profit eligibility
• Use an Aadhaar-linked mobile number during application
• VKYC completed more than 50 km from the Aadhaar/communication address may result in application rejection and loss of promotional profit

These conditions relate to the promotional referral/affiliate offer and should not be confused with the standard card benefits. Always read the applicable terms before applying.

IDFC FIRST Power Credit Card Pros and Cons

Pros	Cons
Rewards are promoted as never expiring	Exact reward point value is not specified in the provided information
Fuel savings of up to 5%*	Annual fee of ₹199 + GST
3.5% savings on eligible HPCL fuel and LPG spends	Lounge access is not mentioned in the provided offer
Additional 1.5% Payback Rewards through HP Pay app	Fuel surcharge waiver details are not specified
₹250 cashback on the first eligible HPCL fuel transaction	Benefits may be most useful for HPCL-focused fuel spenders
Up to 4 complimentary roadside assistance instances per year	Promotional profit has strict eligibility and tracking conditions
Interest-free ATM cash withdrawal benefit	Final card approval depends on the issuer’s assessment

Is IDFC FIRST Power Credit Card Worth It?

The IDFC FIRST Power Credit Card may be worth considering if your spending is heavily focused on HPCL fuel and LPG and you value rewards that do not expire.

The combination of fuel savings, Payback Rewards through the HP Pay app, roadside assistance and never-expiring rewards makes the card potentially attractive for regular drivers.

However, customers looking primarily for airport lounge access, a clearly defined rewards redemption value or a completely lifetime-free card may want to compare other options before applying.

Overall, this card appears more suitable for fuel-focused users than for customers seeking a premium travel credit card.

Frequently Asked Questions

Do IDFC FIRST credit card reward points expire?

The benefits provided for the IDFC FIRST Power Credit Card state that the rewards are unlimited and never expire. However, customers should check the latest official reward program terms for the exact conditions applicable to their card.

Which credit card reward points never expire?

Some credit cards offer reward points that do not expire, including the IDFC FIRST Power Credit Card benefit described here. However, reward policies can vary by card and issuer, so always check the latest terms before applying.

What are the rewards of IDFC FIRST Power Credit Card?

The key reward-related benefits include never-expiring rewards, 3.5% savings on eligible HPCL fuel and LPG spends, and an additional 1.5% savings as Payback Rewards when using the HP Pay app, subject to applicable conditions.

Which is the best IDFC lifetime free credit card?

The best IDFC FIRST credit card depends on your spending habits. The IDFC FIRST Power Credit Card may appeal to customers looking for fuel savings and never-expiring rewards. However, the card information provided here lists a ₹199 + GST joining fee and ₹199 + GST annual fee, so it should not be described as lifetime free based on this information.

Does IDFC FIRST Power+ Credit Card offer lounge access?

The information provided for this offer does not mention complimentary airport lounge access. If lounge access is important to you, verify the latest official benefits before applying.

What is the IDFC FIRST Power Plus Credit Card fuel surcharge waiver?

The provided information focuses on HPCL fuel and LPG savings but does not specify the exact fuel surcharge waiver amount, eligible transaction range or applicable cap. Check the latest official terms for the current fuel surcharge waiver details.

What is the IDFC FIRST Power+ Credit Card reward points value?

The exact monetary value of the reward points is not provided in the supplied information. The key highlighted feature is that the rewards never expire. Check the current rewards catalogue and redemption rules for the latest value.