IDFC First Power Credit Card

Rewards

• 21 rewards on spending per Rs. 150 on HPCL fuel. Maximum Rs. 5,000 per statement cycle (700 rewards per statement cycle). 
• 6 Happy Coins on spending per Rs. 100 through HP Pay App. Maximum Rs. 10,000 per statement cycle (600 Happy Coins per month). 
• 15 reward points on spending per Rs. 150 on grocery & utility. Maximum 400 rewards per statement cycle.
• 15 reward points on per Rs. 150 recharge on IDFC FIRST FASTag. Maximum Rs. 1,000 spends per statement cycle and maximum 200 rewards per statement cycle.
•  2 reward points per Rs. 150 spent on other retail transactions.
• 1 reward point/ Happy Coin = Rs. 0.25.
• There is no capping on these reward points. 

Welcome Benefits

• Rs. 250 cashback on the first HPCL fuel transaction of Rs. 250 or above within 30 days of card set-up. Offer valid till 31st March 2025.
• 5% cashback (up to Rs. 1,000) on the transaction value of first EMI conversion (with tenure of 6 months or above) within 30 days of card set-up. Offer valid till 31st March 2025.
• Flat Rs. 1,000 discount on Zoomcar rentals (only on Zoomcar self-drive cars). Use Coupon Code ALIDFCFIRST to avail of the offer. The minimum trip duration should be 2 days.
• Discount of up to 50% on chauffeur-driven Domestic and International Rental Cars with Eco Rent A Car and Europcar. Offer valid till 31st March 2025.

Insurance

• Complimentary Road Side Assistance all over India, up to 4 times in a year worth Rs. 1,399.
• Personal Accident Cover of Rs. 2 Lakhs. 
• Lost Card Liability Cover of Rs. 25,000.

Other Benefits

• EMIfy your purchases & balances and enjoy the convenience of payment.
• Extend the Add-on card to your family members & boost your savings without any extra charges.
• Refer your friends & earn up to 10,000 Rewards (2,000 Rewards for every card set-up).

Following are the fees and charges associated with IDFC First Power credit card:

• Joining fee: Rs. 199.
• Annual fee: Rs. 199; Waived on spending Rs. 50,000 or more in a year.
• Add-on card fee: Nil.
• Interest rate on purchases/ cash advances/ outstanding balances due: 0.75% - 3.50% (9% - 42% annually).
• Overdue interest on non-payment of the Minimum Amount Due by the Payment Due Date: 3.99% (47.88% annually).
• Late payment charges: 15% of the Total Amount Due as of the previous statement minus any payments received before the due date (minimum Rs. 100 & maximum Rs. 1,250).
• Over-limit charges: 2.5% of the over-limit amount (minimum Rs. 500).
• Card replacement fee: Rs. 100.
• Markup charges on foreign currency transactions & dynamic currency conversion transactions: 3.50%.
• Cash advance fee: Rs. 199.
• Return of cheque/ auto debit/ payment return: R. 250 per returned cheque/ auto debit/ payment return.
• Reward redemption fee: Rs. 99 per redemption transaction.
• EMI processing fee: 1% of the transaction value (minimum Rs. 99). 
• Rent & property management fee: 1% of transaction amount.
• Goods and Service Tax (GST): GST at 18% (or as notified by the Government of India) is applicable on all fees, interest & charges.

You can apply for an IDFC First Power credit card if you meet the eligibility criteria mentioned below:

• Must be aged at least 21 years old.
• Must be an Indian citizen.
• Must have a healthy credit score (preferably 750 or above). 
• The credit usage ratio must be within an acceptable level of below 30%.
• Must have an annual income of Rs. 3 Lakhs or more.

*Issuance of credit card is subject to the sole discretion of IDFC First Bank and its internal assessment.

Once you meet the above criteria, you can apply for the card by submitting the documents given below:

• Address proof (any one): Utility Bills/ Aadhaar Card/ Rental Agreement/ Passport/ Ration Card
• Identity proof (any one): Passport/ Voter's ID Card/ Aadhaar Card/ Ration Card/ Driving Licence/ PAN Card
• Income proof for salaried individuals: Latest Salary Slip, Salary Certificate, and Employment Letter
• Income proof for self-employed individuals: Audit Proof, Balance Sheet/ Profit & Loss Statement, Business Financial Statements, and Latest Income Tax Returns.

You can apply for the IDFC First Power credit card online on the IDFC First Bank’s website or mobile banking app. You can also visit the nearby IDFC First Bank branch to apply offline.

Alternatively, you can apply for the IDFC First credit card online on our website by following the steps given below:

• Click on the ‘Credit Cards’ tab on the homepage and select ‘IDFC First Bank Credit Card’ from the dropdown menu. 
• Then select your preferred IDFC card and click the ‘Apply Now’ button.
• Provide all the required details such as your name, mobile number, email address, employment information, etc.
• Verify your mobile number with an OTP.
• You will get a call from our credit cards expert to help you complete the credit card application process.
• After a successful application, you can track your IDFC credit card application status online easily.

For more information regarding the IDFC credit card features, application process, IDFC credit card bill payment, etc., you can call the IDFC credit card customer care number 1800 10 888.