IDFC First Power Plus Credit Card Benefits – Cashback, Perks & Offers

Credit CardJan 13, 20266 Min min read

Written by LoansJagat Team

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Key Insights

You can get 5% rewards on groceries and FASTag recharges to help you save on daily expenses with the IDFC First Power Plus Credit Card. Monthly limits are simple and fixed, so you always know your savings.

The IDFC First Power Plus Credit Card can earn 3x rewards on all your other UPI and retail purchases, with no limit. You can enjoy every digital payment adds to your rewards.

You can get free airport lounge access and straightforward charges to make your travel and spending easier with the IDFC First Power Plus Credit Card.

Are you looking to boost your spending power? See how the IDFC First Power vs Power Plus Credit Card compare, and find out what benefits each offers. Check out the IDFC First Power Plus credit card interest rate.

This card gives you valuable benefits like IDFC First Power Plus credit card lounge access and smart features, all with clear and transparent charges. You can enjoy the IDFC First Power Plus Rupay Credit Card benefits, you can use your card widely and enjoy added convenience.

Example:

I booked a ₹50,000 flight using my IDFC First Power Plus card and earned ₹2,000 in points thanks to the 4% reward rate. The IDFC First Power Plus credit card lounge access made my trip more comfortable, and clear charges helped me keep track of my spending easily.

Key Benefits of IDFC First Power Plus Credit Card

Do you know you can make every purchase count? Discover the key benefits of the IDFC First Power Plus Credit Card, such as rewards and travel perks.

Here is the list of the key benefits of the IDFC First Power Plus Credit Card:

Benefits Category	Key Features	Real Life Example
Grocery and Utility 30X Rewards = 5% savings	Eligible grocery and utility transactions are identified using the Merchant Category Code (MCC) from the transaction data. You earn 30 reward points for every ₹150 spent on groceries and utilities. Each reward point is worth ₹0.25. You can earn rewards on up to ₹2,000 in spending per statement cycle, with a maximum of 400 reward points each cycle. Reward points will be credited to your card statement. No rewards will be given if the merchant is not classified as a utility or grocery store according to the MCC.	I bought groceries for ₹1,800 using UPI and earned 360 reward points. That gave me ₹90 cashback on my statement.
IDFC FIRST FASTag Recharge 30X Rewards = 5% savings	You can earn rewards when you recharge your IDFC FIRST FASTag using the IDFC FIRST Bank Mobile Banking App or the FIRST Forward App. For every ₹150 you recharge on your IDFC FIRST FASTag, you will get 30 reward points. Each reward point is worth ₹0.25. You can earn rewards on up to ₹1,000 of recharges per statement cycle, with a maximum of 200 reward points each cycle.	I recharged my FASTag with ₹900 and earned 180 points, which gave me ₹45 back. This helped lower my toll expenses.
Other Retail Spends 3X Rewards	Applicable on: All other Retail spends excluding Insurance premium payments, non-HPCL fuel spends, EMI transactions, and ATM cash withdrawals. Other Retail spends also exclude HPCL fuel, utility & grocery spends, and IDFC FIRST FASTag recharges, as the reward structure of these spends will be as explained above. Applicable structure: 3 Reward points per ₹150 (1 Reward point = ₹0.25) There is no capping on these reward points.	I booked movie tickets for ₹1,500 and earned 30 points, worth ₹7.5. I also got unlimited rewards on other shopping.
UPI Rewards 3X Rewards	This applies to all retail purchases made through the UPI channel. The following are not included: insurance premium payments, fuel purchases, EMI transactions, ATM cash withdrawals, utility bills, grocery shopping, and IDFC FIRST FASTag recharges. You will earn 3 reward points for every ₹150 spent. Each reward point is worth ₹0.25. There is no limit to the number of reward points you can earn.	I paid ₹3,000 at a local boutique using UPI and earned 60 points, which added up to ₹15. Earning rewards has become part of my daily digital payments.

You can save money and earn more rewards on your daily purchases, whether you shop for groceries or pay with UPI. In return, you just paythe minimum IDFC First Power Plus credit card charges.

Bonus Tip: Do you know? If you have a FIRST Power+ Credit Card, you will get a ₹500 Gift Voucher when you make your first HPCL fuel purchase of ₹500 or more within 30 days of getting your card.

Eligibility Criteria & Required Documents for IDFC First Power Plus Credit Card

You can enjoy premium rewards without tension. See how simple it is to qualify and what documents you need for your IDFC First Power Plus Credit Card.

Eligibility Criteria IDFC First Power Plus Credit Card

You can apply for a FIRST Power Credit Card if your annual income is ₹ 3 Lacs or higher.

Documents Required IDFC First Power Plus Credit Card

Here is the list of the documents required for the IDFC First Power Plus Credit Card:

Identity Proof

Address Proof

Income Proof

Passport
Aadhaar card
Voter ID
Driving licence
PAN card
Passport-sized photographs

Utility bills (electricity, water, gas, or telephone)
Rental agreement
Passport
Aadhaar card
Voter ID

Salary slips for those who are salaried
Income Tax Returns (ITR)
Form 16
Bank statements

If you have all the required documents ready, your credit card application will be faster and easier.

Conclusion

Before you can enjoy the premium rewards of the IDFC First Power Plus Credit Card, make sure you meet the eligibility criteria. When you do, you’ll be able to take advantage of its benefits and get more from your spending. In return, you just pay the minimum IDFC First Power Plus credit card charges.

FAQS

Is using IDFC First Power CC a bad experience?

The IDFC First Power Credit Card (HPCL Power Plus) is a solid choice for people who spend a lot on fuel, especially at HPCL stations. It gives good rewards on fuel, groceries, and utilities, and also offers UPI benefits with IDFC First Power Plus Rupay Credit Card benefits.

What should you know about the new IDFC Gaj Credit Card?

The IDFC FIRST Gaj Credit Card is a new, invitation-only metal card designed for high-net-worth clients. It offers 1:1 rewards (1 point equals ₹1) that you can redeem for travel, no forex markup, and up to 33.33% value-back with extra points on app bookings.

Will getting an IDFC lifetime free credit card help me in any way?

Getting an IDFC lifetime free credit card can help you save on annual fees and enjoy rewards, cashback, low interest rates, interest-free ATM cash, UPI payments, and perks like movie discounts. It can also help boost your credit score. The exact benefits depend on the card you choose, such as the Millennia for high spenders or the Classic for general use.

How is the IDFC First Credit Card different from other bank credit cards?

IDFC FIRST Credit Cards offer lifetime-free membership, low interest rates starting at about 0.75% per month, interest-free cash withdrawals for up to 48 days, and rewards that never expire. Unlike many standard bank cards that charge annual fees, have higher interest rates, and points that expire, IDFC FIRST cards are more affordable and rewarding for daily use.

Will I be able to apply for the FIRST Power+ Credit Card if I already hold an IDFC FIRST Bank Credit Card?

No, you cannot apply for the FIRST Power+ Credit Card if you already have an IDFC FIRST Bank Credit Card. This is based on the bank’s current rules.

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LoansJagat Team

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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.

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