IDFC FIRST Bank
Fuel-smart card with high returns & safety perks
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Pros
Cons
The IDFC FIRST Power Credit Card is best suited for individuals whose primary spending falls in Fuel and Rewards. At ₹500/year (waivable on spend), it offers strong value for people who spend heavily in its reward categories. You'll need to submit standard income proof (salary slip or ITR) as part of the IDFC FIRST Bank application. The welcome bonus of ₹1,400 worth makes the first year especially valuable. With an approval rate of 90% and processing in 2‑5 days, this card is one of the easier options to get approved for.
The IDFC FIRST Power Credit Card has an annual fee of ₹500. This fee is waivable on meeting the annual spend milestone.
IDFC FIRST Bank typically processes the IDFC FIRST Power Credit Card in 2‑5 days. The actual timeline depends on your credit score, income documents, and internal bank verification.
Yes. IDFC FIRST Bank requires income proof such as a salary slip or ITR as part of the standard application process for the IDFC FIRST Power Credit Card.
Checking your eligibility on CreditPlanner.in is a soft check and does not impact your CIBIL score. However, submitting a formal application to IDFC FIRST Bank will trigger a hard enquiry on your credit report.
Welcome offer worth ₹1,400. Up to 6.5% returns on HPCL fuel spends (Happy Coins). 5% on grocery & utility spends (15× ₹150).
The IDFC FIRST Power Credit Card is best suited for individuals who spend on Fuel and Rewards. At ₹500/year (waivable on spend), it provides strong value for the right spend profile.
Disclaimer: Information about IDFC FIRST Power Credit Card — including fees, benefits, and eligibility — was accurate as of 2026-03-28 but may change without notice. Always verify details directly with IDFC FIRST Bank before applying. Approval is solely at the bank's discretion. CreditPlanner.in may earn affiliate commissions on successful applications; this does not influence our ratings or rankings.