FIRST Power+

Joining ₹499 · Annual ₹499 · Reversed on ₹1.5 lakh of spends in the previous anniversary year

Fee break-even: ≈₹99,800/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Reward points · assumed 0.25 ₹/point. ₹0.25 per point per IDFC's rewards terms

Verified 13 Aug 2026

Forex markup3.5%

Fuel surchargeIncluded in the advertised fuel savings

EMI₹99 or 1% of the transaction, whichever is higher, plus GST processing fee · A converted purchase stops earning rewards · ₹99 or 1% of the purchase, whichever is larger, plus a pre EMI interest charge to the next statement. · Transactions converted to EMI earn no points

Return by category

Category	Return	Notes
Online spend	0.5%	Base rate
Amazon	0.5%	Base rate
Flipkart	0.5%	Base rate
Subscriptions & OTT	0.5%	Base rate
Offline spend	0.5%	Base rate
UPI spending	0.5%	A RuPay variant earns on UPI
Dining	0.5%	Base rate
Swiggy	0.5%	Base rate
Zomato	0.5%	Base rate
Groceries	5%	5% as rewards on grocery spends, caps in the linked terms
Quick commerce	5%	Uses its groceries rate
Swiggy Instamart	0.5%	Base rate
Blinkit	0.5%	Base rate
BigBasket	5%	Uses its groceries rate
Movies & shows	0.5%	Base rate
BookMyShow	0.5%	Base rate
PVR INOX	0.5%	Base rate
Fuel	6.5%	IDFC advertises up to 6.5% savings on HPCL fuel, combining rewards and the surcharge waiver. The component caps live in the linked terms · HPCL pumps only, other brands earn the base rate
Travel (general)	0.5%	Base rate
Flights	0.5%	Base rate
Hotels	0.5%	Base rate
MakeMyTrip	0.5%	Base rate
IRCTC rail	0.5%	Base rate
International	−3%	0.5% reward − 3.5% forex markup
Utilities & bills	5%	5% as rewards on utility spends, caps in the linked terms
Rent	0.5%	Base rate
Education fees	0.5%	Base rate
Insurance premiums	0.5%	Base rate
Government & tax	0.5%	Base rate
Wallet loads	0.5%	Base rate
Anything else	0.5%	Base rate
Jewellery	0.5%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome benefits worth ₹2,500 on fee payment and early spends
26.67% bonus points on hotel and flight bookings through the IDFC FIRST app

Other exclusions

Transactions converted to EMI earn no points

IDFC FIRST Bank FIRST Power+Best for HPCL fuel3.6 / 5

What we liked

Up to 6.5% on HPCL fuel, the strongest HPCL rate going
5% on groceries and utilities makes it more than a fuel card
₹2,500 of welcome benefits against a ₹499 fee

What to mind

IDFC keeps the component caps in the linked terms rather than on the page
Other fuel brands earn the base rate
0.5% base outside the named categories

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?