IDFC First Bank
Gold · First Power
IDFC First Power Credit Card
IDFC First Bank
Lifetime Free card with 5X fuel/utility and 2X on other spends
Annual Fee
Free
Joining Fee
Free
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹3,000
Total Annual Benefits
₹3,000
Total Annual Charges
₹0
ROI
0%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Reward Points (2)
5X Reward Points on Fuel & Utility
Earn 5X reward points on fuel and utility transactions
- • Valid on fuel and utility payments
5X points
2X Reward Points on Other Spends
Earn 2X reward points on all other retail transactions
- • Valid on all other retail spends
2X points
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
IDFC First Rewards
5X fuel/utility, 2X others
Effective cashback: 1.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via IDFC Rewards
- → Products & Vouchers
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Fuel
5x multiplier
5X reward points on fuel
Utility
5x multiplier
5X reward points on utility
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free |
| Annual Fee | Free Lifetime Free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹5.0 L
Permanent Disability
₹5.0 L
Lost Card Liability
₹50,000
Report within 24h
- • Credit liability cover: ₹5 Lakh
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance EMI conversion facility 5X reward points on fuel & utility 2X reward points on other spends Fuel surcharge waiver Lifetime Free
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The IDFC First Power Credit Card is a Lifetime Free (LTF) Visa Gold card offering 5X reward points on fuel and utility transactions, and 2X on all oth...
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