IDFC FIRST Power Credit Card 2025
5X Shopping Rewards
10X Movie Benefits
4 Lounge Access
₹299 Annual Fee
Save over ₹7,200+ every year with 5X rewards + movies + lounge!
Best entry-level card! IDFC FIRST Power gives 5X rewards on shopping, 10X movie benefits, 4 lounge visits, just ₹299 fee.
Perfect for young professionals & movie lovers!
Why Choose IDFC FIRST Power in 2025?
5X shopping • 10X movies • 4 lounge • 1% fuel • ₹299 fee • Zero forex
Best for: Shopping, movies, beginners
Card At a Glance
Joining Fee
₹299
₹299
Annual Fee
₹299
₹299
Reward Rate
5X Shopping
5X Shopping
Lounge Access
4/Year
4/Year
Forex Markup
0%
0%
Movie Benefits
10X Rewards
10X Rewards
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹299 |
| Annual Fee | ₹299 |
| Rewards | 5X Shopping | 10X Movies |
| Forex Markup | 0% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge | 1% waiver |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 5X rewards = 5% value on online/offline shopping
- 10X rewards = 10% value on movie tickets
- 3X rewards on other spends
- 1% fuel surcharge waiver
- 1 Reward Point = ₹0.25
Airport Lounge Access
- 4 complimentary visits domestic lounges
- 1 visit per quarter
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹15 Lakh personal accident
- Zero liability on lost card
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 0% forex markup | Low lounge quota |
| ₹299 LOW fee | 3.5% interest rate |
| 5X shopping rewards | No welcome benefits |
| 10X movie benefits | Limited milestones |
| 4 lounge access | |
| Easy eligibility |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹3 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Visit IDFC FIRST website → Power Card
- Fill basic details → Instant approval
- Upload PAN & Aadhaar only
- Video KYC (1 minute)
- Card in 7 days
Final Verdict – Should You Get It in 2025?
Best budget premium card! 5X shopping + 10X movies + 0% forex + ₹299 fee = ₹7,200+ value. Perfect starter premium!
Frequently Asked Questions (FAQs)
0% forex markup?
Yes! Best for international spending.
5X = 5% return?
Yes! 1 RP = ₹0.25 value.
Movie benefits?
10X rewards on BookMyShow, PVR, INOX.
Easy approval?
Yes! ₹3L income sufficient.
Lounge access?
4 visits per year (1/quarter).