Credit Card Compare

IDFC FIRST Bank FIRST Power+ Credit Card

Data last updated 25 October 2026
43.80%
Purchase rate
₹499
Annual fee
2,500
Bonus points

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Application

CardIQ

34Basic

Basic

Overall score, out of 100 · How this works

  • Rewards24
  • Sign-up bonus15
  • Travel62

Customer reviews

No reviews yet. Be the first to review the IDFC FIRST Bank FIRST Power+ Credit Card.

Pros & cons

What's good

  • 2,500 bonus points to start, worth around ₹630 at our ₹0.25-per-point valuation.
  • The 43.8% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹499; annual fee from year 2 onwards ₹499 (same as joining fee per KFS). Annual fee reversed on spends of ₹1,50,000 or more in a year. GST at 18% applicable on all fees. Tax not included in stated amounts.
  • Up to 45 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IDFC FIRST Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
43.80% p.a.
Purchases
43.80% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹499 p.a.
Cash advance fee
—
Foreign transaction fee
0%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 45 days on purchases
Minimum repayment
2% of the Principal balance outstanding (comprising of Purchases, Cash & Balance Transfer) plus EMI + Interest (Finance charges) + Fees, Other charges & taxes + amount utilised over the limit (if any)

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Earn rate
—
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
2,500 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Overseas feeNo feeTied for best (1st of 91 cards)
Purchase rate43.80%Top 25% (11th of 91 cards)
Annual fee₹499 a yearBetter than most (27th of 91 cards)
Sign-up bonus₹625Middle of the market (19th of 37 cards)
Interest-free days45 daysNot as good as most cards (61st of 73 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
IDFC FIRST Bank