IDFC First Bank · Credit Card

IDFC First Bank First Power Plus Credit Card

Official product: FIRST Power+ Credit Card

Everyday

Fuel and everyday spend focused rewards
Simple, no-frills card built for everyday spending

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Fees, rewards and eligibility shown below are decided solely by IDFC First Bank and can change without notice — always confirm current terms on the official page before applying.

Fees & Charges

Joining Fee: ₹499
Annual / Renewal Fee: ₹499
Annual Fee Waiver Condition: Renewal waiver on ₹1.5 lakh annual spend per official IDFC comparison
Interest Rate / Finance Charge: As per IDFC FIRST Bank card variant schedule in current MITC; variant-specific rate applies.
Late Payment Charges: As per IDFC FIRST Bank current MITC / schedule of charges.
Forex Markup Fee: Not disclosed by issuer — check official card page

Rewards, Travel & Lifestyle

Reward / Cashback Rate: Not disclosed by issuer — check official card page
Reward / Cashback Cap: Not disclosed by issuer — check official card page
Welcome Benefits: Not disclosed by issuer — check official card page
Domestic Lounge Access: Not disclosed by issuer — check official card page
International Lounge Access: 1 domestic lounge visit per quarter
Lounge Unlock / Spend Condition: Not disclosed by issuer — check official card page
Fuel Surcharge Waiver: Not disclosed by issuer — check official card page

Eligibility & Documents

Minimum Income / Eligibility: Not disclosed by issuer — check official card page
Age Eligibility: Product-specific; bank underwriting applies.
Employment Type: Salaried / self-employed; secured variants may rely on FD rather than income underwriting.
Documents Required: KYC/PAN and income or FD-related documents as applicable to variant.

Official Sources & Verification

Official card page →Official MITC / Schedule of Charges →

Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked

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Frequently asked questions

What are the joining and annual fees for the IDFC First Bank First Power Plus credit card? ▾

Joining fee: ₹499. Annual fee: ₹499. Fee waiver: Renewal waiver on ₹1.5 lakh annual spend per official IDFC comparison.

Who is eligible for the IDFC First Bank First Power Plus credit card? ▾

Product-specific; bank underwriting applies. Salaried / self-employed; secured variants may rely on FD rather than income underwriting.

Does the IDFC First Bank First Power Plus credit card offer airport lounge access? ▾

International: 1 domestic lounge visit per quarter