Power of UPI now on your Credit Card
Apply Now

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- FIRST Power
- FIRST Power+
-
Joining Fee: ₹199 | Annual Fee (2nd year onwards): ₹199
-
Welcome benefits worth ₹2250
-
Annual Fee waived off on spends of ₹50,000 or more in a year
- Overview
- UPI
- Savings
- Offers
- FAQs
- Apply Now
Apply Now
FIRST Power Credit Card
Your preferred ride for a life in the fast lane.
- Save up to ₹7,000 annually with this credit card, enough to buy you 65+ litres of fuel
- Welcome benefits worth ₹2250
- Get rewarded for every UPI transaction
- Low & Dynamic Interest rates starting at 9% per annum
- 0% Interest on ATM Cash Withdrawals until due date
Apply Now
T&Cs applicable, read on for more details
Ride Towards Rewards with Precision!
Enjoy Rewards: Ride, Earn, Redeem
Calculate Now
BENEFITS & PRIVILEGES
Power-packed savings on mobility, utility and other everyday expenses!
- Up to 5% savings on your fuel expenses
- 2.5% savings as Rewards on Grocery & Utility expenses
- 2.5% savings as Rewards on IDFC FIRST FASTag recharge
- 2X Rewards on other retail transactions
Click here for more details
Apply Now
BENEFITS & PRIVILEGES
Exciting welcome benefits & merchant offers to get you started!
- ₹250 cashback on 1st HPCL fuel transaction of ₹250 or above*
- 5%cashback(up to ₹1,000) on the transaction value of 1st EMI conversion*
- ₹1000 discount on Zoomcar rentals
- Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar
* Within 30 days of card set-up
Click here for more details
Apply Now
BENEFITS & PRIVILEGES
Powerful lifestyle privileges for a life in the fast lane!
- Complimentary Roadside Assistance worth ₹1,399
- Personal Accident Cover of₹2,00,000and Lost Card Liability Cover of₹25,000
- EMIfy your purchases and balances and enjoy convenience of payment
- Extend Add-on card to your pillion rider & boost your savings without any extra charges
- Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
Click here for more details
Apply Now
New
Start using UPI on your favourite UPI Apps
POWER OF UPI NOW ON YOUR CREDIT CARD
New
Why enable UPI?
Now earn reward points even on your UPI spends
Enjoy interest free credit period on UPI purchases
EMIfy your UPI purchase above Rs. 2,500
Click here for detailed steps
How to enable UPI?
1
Open your preferred UPI app
2
Go to the ‘Account’ section
3
Select the option to add Credit Card
4
Set UPI PIN and done
How to pay using UPI app?
1
Scan QR Code
2
Enter amount
3
Select your Credit Card
4
Enter UPI PIN and your payment is done
Savings at every turn!
IDFC FIRST Bank Mobile App
Power in Your Pocket
App you must have for your Credit Card needs
Control
Control your card usage for online, contactless, international etc. transaction types or set/reset PIN for your card.
View
View your virtual card, transaction details, e-statement, and outstanding amount etc.
Repayment
Instantly pay your bill through multiple options or autopay your balance easily
Reward Points
Check curated offers across merchant categories and view or redeem Reward Points for exciting offers easily
Download App
Exclusive offers from your favourite brands
Avail awesome deals & discounts across the wide range of popular brands we’ve partnered with
Joining Fee / Annual Fee
Joining fee ₹199
Annual fee ₹199, waived off on crossing ₹50,000 spends in the previous anniversary year
Low-Interest Rates
Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to43.8% per annum)
OVL Charges–2.5% of the over-limit amount subject to a minimum charge of ₹550
Late Payment Fee-15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)
Interest-free ATM Cash Withdrawals
For up to 45 days (cash withdrawal fee of only ₹199 per withdrawal)
Important Documents
Card Member Agreement

Most Important Terms & Conditions

Product Usage Guide

Credit Card Basics

Power of UPI now on your Credit Card
Apply Now

Apply Now
- FIRST Power
- FIRST Power+
-
Joining Fee: ₹499 | Annual Fee (2nd year onwards): ₹499
-
Welcome benefits worth ₹2500
-
Annual Fee waived off on spends of ₹150,000 or more in a year
- Overview
- UPI
- Savings
- Offers
- FAQs
- Apply Now
Apply Now
FIRST Power+ Credit Card
Your preferred drive for a life in the fast lane.
- Save up to ₹18,500 annually with this credit card, enough to buy you 175+ litres of fuel
- Welcome benefits worth ₹2500
- Lifestyle Privileges
- Get rewarded for every UPI transaction
- Low & Dynamic Interest rates starting at 9% per annum
- 0% Interest on ATM Cash Withdrawals until due date
Apply Now
T&Cs applicable, read on for more details
Drive Towards Rewards with Precision!
Enjoy Rewards: Drive, Earn, Redeem
Calculate Now
BENEFITS & PRIVILEGES
Power-packed savings on mobility, utility and other everyday expenses!
- Up to 6.5% savings on your fuel expenses
- 5% savings as Rewards on Grocery & Utility expenses
- 5% savings as Rewards on IDFC FIRST FASTag recharge
- 3X Rewards on other retail transactions
Click here for more details
Apply Now
BENEFITS & PRIVILEGES
Exciting welcome benefits & merchant offers to get you started!
- ₹500cashback on 1st HPCL fuel transaction of ₹500 or above*
- 5%cashback(up to ₹1,000) on the transaction value of 1st EMI conversion*
- ₹1000 discount on Zoomcar rentals
- Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar
* Within 30 days of card set-up
Click here for more details
Apply Now
BENEFITS & PRIVILEGES
Powerful lifestyle privileges for a life in the fast lane!
- Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of ₹20,000
- Complimentary Roadside Assistance worth ₹1,399
- 25% off on movie tickets up to₹100, once every month
- Personal Accident Cover of₹2,00,000and Lost Card Liability Cover of₹25,000
- EMIfy your purchases and balances and enjoy convenience of payments
- Extend Add-on card to your co-passenger & boost your savings without any extra charges
- Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
Click here for more details
Apply Now
New
Start using UPI on your favourite UPI Apps
POWER OF UPI NOW ON YOUR CREDIT CARD
New
Why enable UPI?
Now earn reward points even on your UPI spends
Enjoy interest free credit period on UPI purchases
EMIfy your UPI purchase above Rs. 2,500
Click here for detailed steps
How to enable UPI?
1
Open your preferred UPI app
2
Go to the ‘Account’ section
3
Select the option to add Credit Card
4
Set UPI PIN and done
How to pay using UPI app?
1
Scan QR Code
2
Enter amount
3
Select your Credit Card
4
Enter UPI PIN and your payment is done
Savings at every turn!
IDFC FIRST Bank Mobile App
Power in Your Pocket
App you must have for your Credit Card needs
Control
Control your card usage for online, contactless, international etc. transaction types or set/reset PIN for your card.
View
View your virtual card, transaction details, e-statement, and outstanding amount etc.
Repayment
Instantly pay your bill through multiple options or autopay your balance easily
Reward Points
Check curated offers across merchant categories and view or redeem Reward Points for exciting offers easily
Download App
Exclusive offers from your favourite brands
Avail awesome deals & discounts across the wide range of popular brands we’ve partnered with
Joining Fee / Annual Fee
Joining fee ₹499
Annual fee ₹499, waived off on crossing ₹150,000 spends in the previous anniversary year
Low-Interest Rates
Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to43.8% per annum)
OVL Charges–2.5% of the over-limit amount subject to a minimum charge of ₹550
Late Payment Fee-15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)
Interest-free ATM Cash Withdrawals
For up to 45 days (cash withdrawal fee of only ₹199 per transaction)
Important Documents
Card Member Agreement

Most Important Terms & Conditions

Product Usage Guide

Credit Card Basics

Offer Details
Flat Rs 100 Off | Min purchase: Rs. 699 | Max discount: Rs. 100
Valid on every Thursday
How to claim this offer?
- Visit Swiggy Instamart app/website
- Select items of your choice and add them to the cart
- Apply coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Cardto avail discount
Offer Details
15% off up to Rs. 125 / Flat Rs. 50 off on non-Participating Restaurants | Min purchase: Rs. 499
Valid on every Saturday & Sunday
How to claim this offer?
- Visit Zomato app/website
- Select items of your choice and add them to the cart
- Apply IDFCFEAST coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Credit Cardto avail discount
Offer Details
Complimentary One-year e-subscription of Hindustan Times worth Rs 999 on FIRST Select, FIRST Family, FIRST Wealth, FIRST Private and FIRST WOW Credit Cards Valid till 31st January 2023
How to claim this offer?
- Visithttps://subscriptionbenefits.thriwe.com/ and complete the registration process
- Enter your IDFC FIRST Bank Credit card details to complete the Rupee 1 transaction for verification
- The promo code along with the process to claim code will be sent to your email address & mobile number
- For any issues, queries or assistance please contact Thriwe (Visa Offers Partner) at below numbers
Call at : 1800 208 7899 (India), 800035703553 (UAE) Whatsapp on : +91-9717176899
Mon-Fri, 9 AM to 7 PM IST
Offer Details
Get Flat 150 off on Rs 700 | Once per user | Per month
Valid till 31st March 2023
How to claim this offer?
- Visit Domino’s app/Mobile website
- Select items of your choice and place your order in the cart
- ApplyDOMIDFC150coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Credit Card to avail discount
Offer Details
Cuisines: Pizza, Fast Food & Beverages. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Bangalore, Hyderabad & Secunderabad.
Offer Details
Cuisines: Chinese, Thai, Asian & Beverages & Finger Food. Offer detail: 15% off on Food & Soft Beverages in M Café by Marriot *Not Valid on Buffet & Alcoholic Beverages. Locations: Bangalore.
Offer Details
Cuisines: Desserts & Beverages. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Multiple locations.
Offer Details
Cuisines: Seafood, North Indian, Chinese, Mangalorean, Kerala, South Indian, Desserts & Beverages. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Mumbai.
Offer Details
Cuisines: North Indian, Continental, Seafood & Asian. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Pune.
Offer Details
Get 10% Cashback up to Rs 3000 Valid till 31st March 2023
Valid till 31st March 2023
How to claim this offer?
- Shop for an Oppo phone at authorized stores.Please click here to see the list of authorized stores.
- Request the staff at billing counter to apply applicable EMI offer on IDFC FIRST Bank Credit Cards
- Use IDFC FIRST Bank credit card as mode of payment to avail of the benefit
Offer Details
Dom Flights : 12% instant discount up to INR 1200 |International Flights: 10% instant discount up to Rs 7500 |Domestic Hotels : 20% instant discount up to Rs 4800 | Bus : 15% instant discount up to Rs 500
Valid on every Friday
How to claim this offer?
- Visit Yatra website (https://www.yatra.com/) or Mobile application on any Friday during the offer period to do hotel booking/ book flight or Bus ticket.
- Apply the coupon codeYTIDFCat checkout
- Use your IDFC FIRST Bank Credit card to make the payment.
Offer Details
Flat Rs 50 off on a Minimum Order Value of Rs 499
Valid till 31st March 2023
How to claim this offer?
- Visit Dunzo Mobile App during the offer period
- Select items of your choice and place your order in the cart
- Apply IDFC50 coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Credit Card to avail discount
Offer Details
10% Cashback up to Rs 3000 on EMI Txns
Valid till 31st March 2023
How to claim this offer?
- Shop for Electronics at Vijay Sales for at least Rs 15,000. Find the nearest Vijay sales store athttps://www.vijaysales.com/store-locator
- Request the Vijay sales staff at billing counter to apply applicable EMI offer on IDFC FIRST Bank Credit Cards
- Use IDFC FIRST Bank Credit Card as mode of payment to avail of the benefit
Offer Details
10% Disc up to Rs 2000 on Non EMI Txns | 10% Disc up to Rs 3000 on EMI Txns | Minm Txn Value Rs 15,000
Valid on every Saturday & Sunday
How to claim this offer?
- Shop for Electronics at Croma Stores for at least Rs 15,000. Find the nearest Croma store athttps://www.croma.com/store?location=default
- Request the Croma sales staff at billing counter to apply applicable offer on IDFC FIRST Bank Card
- Use IDFC FIRST Bank Card as mode of payment to avail of the benefit
Pay Instantly with Reward Points
Pay instantly for any online transaction with your Credit Card Reward Points and for offline transactions too, at select merchants.
•Get gift cards or memberships of your favourite brands.
•Check out our unique Credit Card Reward Redemption Catalogue page for updates
Apply Now
Reward points that never expire!
Earn forever and Redeem anytime, anywhere with IDFC FIRST Bank credit cards
Apply Now
Lower Interest Rates
•Usually, other credit cards charge a standard and fixed interest rate as high as 42% p.a. , in case you carry forward your outstanding balance beyond the payment due date.
•IDFC FIRST Bank Credit Cards offer low and dynamic interest rates starting from 9% per annum. The interest rates stated are typically ‘yearly’ rates, also known as the annual percentage rate (APR). No Interest is charged if you repay your balance in full, each month by the due date. We recommend that you always pay Total Amount Due of your credit card to avoid any charges. Paying Minimum Amount Due each month is mandatory.
Apply Now
0% Interest on Cash Withdrawal
IDFC FIRST Bank Credit Cards offer ATM cash withdrawals at 0% interest until your due date.
•Usually, other credit cards charge interest from date of withdrawal with interest rates as high as 3.5% per month along with withdrawal fee of ₹500.
•With IDFC FIRST Bank offering India’s best credit card interest rates, you pay zero interest until your due date for payment and at a flat transaction fee of just ₹199/- only.
Apply Now
Stay safe with Insurance/RSA coverage
•Avail Emergency Roadside Assistance worth ₹1,399 with your credit card – in case of an unfortunate & unforeseen event like a breakdown or a road accident.
•Avail 24*7 Roadside Assistance (RSA) anywhere, anytime by calling our RSA partner, Global Assure on 1800 572 3860 (toll free)
•Avail 4 complimentary RSA services in a year
•This is available on all IDFC FIRST Bank Credit Cards
Apply Now
Pay Instantly with Reward Points
Pay instantly for any online transaction with your Credit Card Reward Points and for offline transactions too, at select merchants.
•Get gift cards or memberships of your favourite brands.
•Check out our unique Credit Card Reward Redemption Catalogue page for updates
Apply Now
Reward points that never expire!
Earn forever and Redeem anytime, anywhere with IDFC FIRST Bank credit cards
Apply Now
Lower Interest Rates
•Usually, other credit cards charge a standard and fixed interest rate as high as 42% p.a. , in case you carry forward your outstanding balance beyond the payment due date.
•IDFC FIRST Bank Credit Cards offer low and dynamic interest rates starting from 9% per annum. The interest rates stated are typically ‘yearly’ rates, also known as the annual percentage rate (APR). No Interest is charged if you repay your balance in full, each month by the due date. We recommend that you always pay Total Amount Due of your credit card to avoid any charges. Paying Minimum Amount Due each month is mandatory.
Apply Now
0% Interest on Cash Withdrawal
IDFC FIRST Bank Credit Cards offer ATM cash withdrawals at 0% interest until your due date.
•Usually, other credit cards charge interest from date of withdrawal with interest rates as high as 3.5% per month along with withdrawal fee of ₹500.
•With IDFC FIRST Bank offering India’s best credit card interest rates, you pay zero interest until your due date for payment and at a flat transaction fee of just ₹199/- only.
Apply Now
Stay safe with Insurance/RSA coverage
•Avail Emergency Roadside Assistance worth ₹1,399 with your credit card – in case of an unfortunate & unforeseen event like a breakdown or a road accident.
•Avail 24*7 Roadside Assistance (RSA) anywhere, anytime by calling our RSA partner, Global Assure on 1800 572 3860 (toll free)
•Avail 4 complimentary RSA services in a year
•This is available on all IDFC FIRST Bank Credit Cards
Apply Now
Exciting discounts on Movie Tickets
25% discount on movie tickets up to ₹100 (valid once per month)
Apply Now
Complimentary Lounge Access
Complimentary Domestic Airport Lounge access , once every quarter
Apply Now
Savings Calculation
Category | Annual Spends in (₹) | Savings (₹) |
Fuel | 60,000 | 2,100 |
HP Pay Savings | 900 | |
Welcome Benefit-1 (Fuel Cashback) | 250 | |
IDFC FASTag Recharge | 6,000 | 150 |
Grocery & Utility | 24,000 | 600 |
Other Spends | 18,000 | 60 |
Annual Fee Waiver | 199 | |
Welcome Benefit-2 (EMI Cashback) | 20,000 | 1,000 |
Complimentary Roadside Assistance | 1,399 | |
Offer discount - ZoomCar rentals | 1000 | |
Total | 1,28,000 | 7658 |
Fuel worth in litres @ ₹105 | 72.9 |
Assuming monthly spends of ₹5000 on Fuel, ₹500 on IDFC FASTag, ₹2000 on Utility & Grocery, ₹1000 on other spends (excluding Insurance, EMI, Cash withdrawal),₹20,000 from other spends converted to EMI.
Apply Now
Savings Calculation
Category | Annual Spends in (₹) | Savings (₹) |
Fuel | 1,20,000 | 6,000 |
HP Pay Savings | 1,800 | |
Welcome Benefit 1 – (Fuel Cashback) | 1,800 | |
IDFC FASTag Recharge | 12,000 | 600 |
Grocery & Utility | 24,000 | 1,200 |
Other Spends | 24,000 | 120 |
Annual Fee Waiver | - | 499 |
Welcome Benefit 2 - (EMI Cashback) | 20,000 | 1000 |
Complimentary Roadside Assistance | - | 1,399 |
Offer Discount – Zoomcar Rentals | - | 1,000 |
Movie Discount | - | 1200 |
Complimentary Dom. Airport Lounge Access | - | 3,600 |
Total | 2,00,000 | 20,218 |
Fuel worth (@ ₹105) | 192.5 litres |
Assuming monthly spends of ₹10,000 on Fuel, ₹1000 on IDFC FASTag, ₹2000 on Utility & Grocery, ₹2000 on other spends (excluding Insurance, EMI, Cash withdrawal),₹20,000 from other spends converted to EMI.
Apply Now