IDFC First Bank - First Power Credit Card

Card Intro

Welcome Benefits

RuPay Credit Card with UPI.

Welcome offer of Rs. 250 Cashback on 1st fuel transaction of Rs. 250 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. 199

Annual Fee(2nd year onwards once)

Rs. 199

Add-on Card Fee

Nil

Annual Fee Waive off

Annual spends greater than Rs. 50,000

Card Features, Rewards and Benefits

Cashback

Nil

Rewards

21X Reward Points per Rs. 150 on HPCL Fuel station transactions capped at a maximum 700 Rewards per statement cycle. Extra 6 Happy Coins per Rs. 100 fuel spends through HP Pay App. (1 Happy Coin = ₹0.25)

15X 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 2X 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

Nil

Lifestyle Benefits

Nil

Travel Benefits:

Nil

Lounge Benefits

Nil

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.