How many Rupay credit cards does IDFC Bank have?

IDFC Bank has 2 Rupay credit cards at the moment.

Can I use the Rupay cards of IDFC Bank on UPI?

Yes, you can. It can be linked to your accounts and used to scan QR codes or make direct UPI transactions.

For what is the First Power card most suitable for?

This card is most useful for individuals with two-wheelers who spend more on fuel.

For whom is the First Power+ most useful?

This card is helpful for four-wheeler owners and people who spend more on fuel.

Can anyone get an IDFC Bank Rupay credit card?

You need to meet the essential criteria to get IDFC Bank Rupay cards. You should be an Indian, aged over 21 years, and have an income of more than Rs. 3 lakhs per annum.

IDFC Rupay Credit Card

IDFC First Bank has two major Rupay credit cards, each one suiting different needs. Both the Rupay credit cards from IDFC are launched for fuel benefits. The FIRST Power Credit Card and the FIRST Power+ Credit Card.

Both the cards were introduced for bike and car fuel expenses exceptionally, with various benefits in the spectrum of fuel and travel. Let’s discover their features here.

Key Highlights of the IDFC Rupay Credit Card

Here are the significant highlights of the card-

Parameter	FIRST Power Credit Card	FIRST Power+ Credit Card
Suitability	Fuel Expenditure and Travel	Fuel Expenditure and Travel
Offers	Welcome benefits with Rs. 1,400	Welcome benefits worth Rs. 1,650
Salary/Income	Annual Income of more than Rs. 3 lakhs	Annual Income of more than Rs. 3 lakhs
Renewal Charges	Rs. 199	Rs. 499

Benefits and Features of the IDFC Rupay Credit Card

The significant benefits of the cards are:

FIRST Power Credit Card

FIRST Power+ Credit Card

Reward Points

2.5% savings as rewards on HPCL fuel and LPG.
1.5% rewards as happy coins through the HP Pay App.
2.5% rewards on grocery and utility expenses.
2.5% rewards on IDFC FIRST FASTag recharge every month.
2X rewards on retail transactions.

Fuel Benefits

1% savings as fuel surcharge waiver

Cashback Benefits

Rs. 250 cashback on the 1st HPCL fuel transaction (needs to be more than Rs. 250)
5% cashback on the transaction value of the first EMI conversion.

Discount Benefits

Rs. 150 discount on orders above Rs. 500 on Swiggy online.
There are up to 50% discounts on domestic and international rental cars through Eco Rent-A-Car and Europcar.
Rs. 500 discount on ZoomCar rentals.

Other Benefits

Benefit of Personal Accident Cover and Lost Card Liability Cover.
Complimentary roadside assistance.
Referral reward points up to 10,000.

Rewards

5% rewards on Grocery & utility
5% rewards on IDFC FIRST FASTag
3X Rewards on retail transactions

Cashback Benefits

Rs. 500 cashback on the first HPCL fuel transaction (needs to be more than Rs. 500)
5% cashback on the first EMI conversion.
Up to 50% discount on Domestic and International Rental Cars.

Fuel benefits

1% savings as fuel surcharge waiver

Discount Benefits

Rs. 150 discount on orders more than Rs. 500 on the online Swiggy app
Rs. 500 discount on Zoomcar rentals
25% discount on movie tickets every month

Other Benefits

Domestic lounge access in every quarter.
Roadside assistance worth Rs. 1,399.

Annual Fees and Charges of IDFC First Bank Rupay Credit Card

The annual fees and other charges of the IDFC Rupay cards are listed below:

Card Name	FIRST Power Credit Card	FIRST Power+ Credit Card
Joining Charges	Rs. 199	Rs. 499
Renewal Charges	Rs. 199 (waived off on spends over Rs. 50,000 the previous year)	Rs. 499 (waived off on spends over Rs. 50,000 the previous year)

Late Payment Charges Applicable on IDFC Rupay Credit Cards

The late payment charges of the cards are:

Late Payment Charges	Amount Due
15%	On total amount due

Eligibility Criteria to Get the IDFC Rupay Card

In order to avail of the card, the individual will be required to meet the below-mentioned eligibility criteria:

Age	21 Years and Above
Citizenship	Indian
Income	More than Rs. 3 lakhs per annum

Documents Required to Apply

The documents essential to apply for the Rupay cards of IDFC Bank are:

ID Proof - Aadhaar, Passport or Voter ID
Address Proof - Aadhaar, Passport, House agreement, or Utility Bill
Income Proof - Salary slip or ITR

How to Get the IDFC Rupay Credit Card

Follow the steps enlisted below to apply for the IDFC Rupay credit cards:

Step 1: Visit https://www.idfcfirstbank.com/, the official website.

Step 2: Go to the 'credit cards' tab.

Step 3: Choose the FIRST Power and Power+ section.

Step 4: Read the terms and conditions, and enter your details on the form on the right-hand side.

Credit Cards Similar to IDFC Rupay Cards

Other bank credit cards similar to the Rupay cards of IDFC:

Credit Card Name	Characteristic
Axis IOCL RuPay Credit Card	This Axis Bank card has various benefits and features, such as a welcome reward of 100% cashback on fuel.
HDFC RuPay Shoppers Stop Credit Card	The card holds various shopping benefits and cashback, like unlimited First Citizen points.
ICICI Bank HPCL Super Saver RuPay Credit Card	This ICICI Bank card is a super saver card that helps you to keep costs under control in utility spending, departmental store spending, cashback, and more.
IndianOil HDFC Bank Credit Card	This card is enabled for fuel and travel spending offers throughout the country.

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