LTF

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IDFC FIRST POWER Credit Card
RuPay 📡 Contactless NFC

IDFC FIRST POWER Credit Card

Joining Fee₹199
Annual Fee₹199
Forex Markup 3.5%

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹250 directly upon successful card approval.

Claim ₹250 & Apply →
🎉

Joining & Activation Welcome Gift

Get bonus Reward Points or cashback on first fuel transaction within 30 days of card issuance

Earn 2.5% Back on Utility Bill Payments

as 15 reward points per ₹150, capped at ₹4,000 per statement cycle with a maximum of 400 reward points

Earn 2.5% Back on grocery spends

as 15 reward points per ₹150, capped at ₹4,000 per statement cycle with a maximum of 400 reward points

2 Reward Points on All Other Eligible Spends

earn 2 reward points per ₹150 spent on all other transactions without any reward capping

Up to 8.67% Savings on Travel Bookings

earn 52 reward points per ₹150 spent on hotels and 32 reward points per ₹150 spent on flights via the Travel & Shop section on the IDFC FIRST Mobile App

1.5% Savings via HP Pay App

earn 6 Happy Coins per ₹100 spent on fuel through the HP Pay App, capped at 600 Happy Coins per month

3.5% Savings on HPCL Fuel Spends

get 21 reward points per ₹150 spent on HPCL fuel transactions, capped at 700 reward points per statement cycle

5% Cashback on First EMI Conversion

get 5% cashback up to ₹1,000 on converting the first transaction to EMI

3.5% savings on fuel spends

receive 1 rewards points per Rs.150 spent on HPCL fuel, up to 700 rewards in a statement cycle

Get Fuel Welcome Cashback on the first HPCL fuel

transaction of ₹250 or more within 30 days of card setup as ₹250 cashback

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25
Standard Base Earning
1 Reward Point per ₹150 on other spends
Accelerated / Partner Rate
Up to 6X Reward Points on HPCL fuel spends and HPCL Pay App
Points Validity:3 Years
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Statement Credit, Brand Vouchers, Flight and Hotel Bookings, Merchandise
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads EMI Transactions Government Transactions Cash Advances

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits2 visits per quarter
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: Requires minimum spend of ₹5,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr
Annual fee waived if spends cross ₹50,000 in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver (Capped at ₹400/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed
Official Bank Portal Application

Get the IDFC FIRST POWER Credit Card

Annual Fee: ₹199/yr (Waivable)

Apply & Claim ₹250 →
Personalized Card Matcher

Still Confused About Your Best Match?

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🔍 Related Credit Card Collections

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Frequently Asked Questions

No, IDFC FIRST POWER Credit Card has a joining fee of ₹199 and an annual renewal fee of ₹199 (plus applicable taxes).
IDFC FIRST POWER Credit Card ₹199/yr
Apply & Earn ₹250 →