IDFC First Bank Power+ Credit Card Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility
The IDFC First Bank Power+ Credit Card is a co-branded fuel credit card offered by IDFC FIRST Bank in India. Powered by the RuPay Select network, this card is designed to maximize savings for cardholders in their daily transactions. With a joining fee structure starting at ₹499, it caters to users seeking to optimize rewards in the fuel category. In this detailed review, we analyze its fee waiver milestones, airport lounge access policies, reward caps, and eligibility requirements to help you decide if it is worth adding to your wallet in 2026.
Key Benefits & Reward Structure
The reward rate is one of the most critical aspects of any credit card. The IDFC First Bank Power+ Credit Card offers a customized reward structure optimized for category spends:
- Lounge Spend Condition: Lounge access is subject to spending ₹20K in prev month in the preceding cycle.
- Domestic Lounge Access: Offers 4 Access/year (Max 1/quarter) rewards.
- Fuel Rewards: Offers 30 RP/Rs 150 (5%) + HP Pay benefits rewards.
- Other Rewards: Offers 30 RP/Rs 150 (5%) on groceries, utilities and FASTag rewards.
- Fuel Surcharge Waiver: Offers Not available rewards.
- Reward Point Value / Cashback: Offers 1 RP = ₹0.25 rewards.
Important Parameters: Up to 6.5% fuel savings combines 5% card rewards with HP Pay benefits. Grocery, utility and IDFC FIRST FASTag rewards are capped by statement cycle. This card does not include a fuel surcharge waiver.
Pros & Cons
Pros
- Simple and straightforward rewards structure.
- Helps build credit score with responsible spending.
Watchouts & Cons
- Paid credit card with an annual fee of ₹499 + GST.
- Does not offer complimentary airport lounge access.
- Monthly capping applies on maximum reward points/cashback accumulation.
CardSe Verdict
The IDFC First Bank Power+ Credit Card is a solid fuel credit card for users looking to consolidate their spends with IDFC FIRST Bank. If you spend enough annually to trigger the annual fee waiver milestone, it is a highly rewarding card. We recommend comparing it with similar cards in the fuel category before applying.
Detailed Card Parameters
| Joining & Annual Fee | Rs 499 + GST |
| Welcome Benefit | Rs 500 cashback on 1st fuel transaction |
| Annual Fee Waiver | Rs 1.5 Lakh spend |
| Domestic Lounge Access | 4 Access/year (Max 1/quarter) |
| Spends for Lounge | ₹20K in prev month |
| Fuel Rewards | 30 RP/Rs 150 (5%) + HP Pay benefits |
| Fuel Surcharge Waiver | Not available |
| Other Rewards | 30 RP/Rs 150 (5%) on groceries, utilities and FASTag |
| Reward Point Value / Cashback | 1 RP = ₹0.25 |
| Notes | Up to 6.5% fuel savings combines 5% card rewards with HP Pay benefits. Grocery, utility and IDFC FIRST FASTag rewards are capped by statement cycle. This card does not include a fuel surcharge waiver. |
Frequently Asked Questions
- What is the annual fee of the IDFC First Bank Power+ Credit Card?
- The IDFC First Bank Power+ Credit Card has a joining/annual fee of ₹499 + GST. The annual fee is waived if you spend ₹1.5 Lakh or more in the preceding membership year.
- Does the IDFC First Bank Power+ Credit Card offer airport lounge access?
- No, the IDFC First Bank Power+ Credit Card does not offer complimentary domestic or international airport lounge visits.
- Which network is the IDFC First Bank Power+ Credit Card issued on?
- The IDFC First Bank Power+ Credit Card is issued on the RuPay Select network, ensuring wide acceptance across merchants in India and globally.
- Is the IDFC First Bank Power+ Credit Card worth it?
- Yes, the card is worth it if your monthly spends match its primary reward categories. For lifetime free variants, it carries zero recurring cost and acts as an excellent entry point. For paid variants, the rewards and benefits will easily exceed the annual fee when used optimally.