IDFC First Bank - First Power+ Credit Card
Card Intro
Welcome Benefits
RuPay Credit Card with UPI.
Welcome offer of Rs. 500 Cashback on 1st fuel transaction of Rs. 500 or above at HPCL fuel station within 30 days of card set-up.
5% cashback up to Rs. 1000 on first EMI transaction, applicable once on transactions done (within 30 days of card set-up) with tenure of 6 months and above.
Flat Rs. 1000 off on Zoomcar self-drive car rentals.
Up to 50% discount on chauffeur driven car rental, on IDFC FIRST Bank Eco Rent A Car platform.
Interest Free Period
20 to 48 Days
Payment Gateway
Rupay
Card Fees
Joining Fee(once)
Rs. 499
Annual Fee(2nd year onwards once)
Rs. 499
Add-on Card Fee
Nil
Annual Fee Waive off
Annual spends greater than Rs. 1,50,000
Card Features, Rewards and Benefits
Cashback
Nil
Rewards
30X Reward Points per Rs. 150 on HPCL Fuel station transactions capped at a maximum 2400 Rewards per statement cycle. Extra 6 Happy Coins per Rs. 100 fuel spends through HP Pay App. (1 Happy Coin = ₹0.25)
30X Reward Points per Rs. 150 on Grocery & Utility transactions capped at a maximum 400 Rewards per statement cycle, also applicable on IDFC First FASTag recharge done using IDFC FIRST Bank
Mobile Banking App or FIRST Forward App capped at a maximum 200 Rewards per statement cycle.
And 3X Reward Points per Rs. 150 on all other spends including UPI transactions (no capping on UPI Reward Points). (1 Reward point = Rs. 0.25)
Milestone Benefits
Nil
Fuel Surcharge Waiver
Not Applicable
Dining
Nil
Movie Benefits
Buy movie tickets on the Paytm mobile app and get up to 25% discount, up to Rs. 100. This offer is valid once per month.
Lifestyle Benefits
Nil
Travel Benefits:
Nil
Lounge Benefits
For Domestic – 4 complimentary lounge access per year, 1 every quarter, on minimum monthly spends of Rs. 20,000.
Hotel Benefits
Nil
Insurance Benefits
Complimentary Personal Accident Insurance Cover of up to Rs. 2 lakh.
Complimentary Credit Card Fraud Liability cover of Rs. 25000 on reporting unauthorized transactions within 24 hours of loss/theft of the card.
Concierge Benefits
Complimentary Roadside Assistance (RSA) all over India, up to 4 times in a year worth Rs. 1,399 through Global Assure.
Health Benefits
Nil
Card Charges
Cash Payment fees at branches
Nil
Cash Withdrawal Fees or Cash Advance Fees
Rs. 199
Card Replacement Fees
Rs. 100 and Rs. 149 for Cards with image personalisation.
Charge slip Retrieval Fee
Nil
Cheque Payment Fee
Nil
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
3.5% on International transaction
Duplicate Statement Fee
Nil
Emergency Card Replacement (When Abroad)
N/A
EMI Processing Fees
Rs. 99 or 1% of the transaction amount (whichever is higher)
Finance Charges
0.75% to 3.65% per month (9% to 43.8% per annum)
Foreign Currency Transaction fee(Forex Charges)
3.5% of the transaction value
Late Payment charges
15% of Total Payment Due (minimum Rs. 100 to maximum of Rs. 1300)
Nil if Total Payment Due is less than Rs. 100
Rs. 100 if total payment due is Rs. 500
Rs. 750 if total payment due is Rs. 5,000
Rs. 1200 if total payment due is Rs. 10,000
Rs. 1300 if total payment due is greater than Rs.10,000
Outstation Cheque Fee
Nil
Over Limit Fees
2.5% of the over limit amount (Min Rs. 550)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
2% of the payment amount subject to Min. Rs.500
Payment of Customs duty
N/A
Priority Pass Lounge Charges
N/A
Railway Tickets Surcharge
as per IRCTC website
Rental Transaction Fee
1% of transaction value, minimum of Rs. 249 per transaction
Reward Points Redemption Fee
Rs. 99
Any Other Charges
N/A
Terms & Conditions!
* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.