IDFC First Bank Rupay Credit Card - Perfect Review

FIRST Power+ Credit Card | IDFC First Power Plus Credit Card Review | IDFC First Bank Rupay Credit Card :

Its a Rupay card, as an Indian we should give more preference for this card. “RuPay“, developed by the National Payments Corporation of India (NPCI), is a domestic Indian payment system and ranks as the third-largest payment network worldwide, following Visa and Mastercard.

IDFC First Bank Rupay Credit Card Review :

IDFC First Power Plus Credit Card Review:

The IDFC First Power Plus Credit Card is a collaborative offering from IDFC First Bank and HPCL, designed specifically for individuals who frequently spend on fuel. This card presents an array of benefits that can help users save money on their fuel purchases. Let’s check what is extra in IDFC First Bank Rupay Credit Card.

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Key Benefits of the IDFC First Bank Rupay Credit Card:

Double Reward Points on Fuel:
For every Rs. 100 spent on fuel at HPCL petrol pumps, you earn 2x reward points.
Earn Reward Points on Other Purchases:
For every Rs. 100 spent on eligible purchases like dining, shopping, and travel, you earn 1 reward point.
Welcome Bonus:
Users receive a welcome bonus of 500 reward points upon spending Rs. 3,000 within the first 3 months of activating the card.
Attractive Low Interest Rate:
The IDFC First Power Plus Credit Card comes with a highly favorable interest rate of 9% per annum.
No Annual Fee:
There is no annual fee charged for the first year of card usage.
Additional Perks:
The card also offers a range of added benefits, including complimentary access to airport lounges, travel insurance coverage, and roadside assistance.

Overall, the IDFC First Power Plus Credit Card is an excellent choice for frequent fuel spenders. With its attractive 2x reward points on fuel purchases and low interest rate, it provides ample opportunities to save on fuel expenses. – Apply Here

>> Know more : Perfect List of Rupay Credit Cards In India

Pros & Cons of IDFC First Bank Rupay Credit Card:

Pros:

2x reward points on fuel purchases
Low interest rates.
No annual fee for the first year.
Additional perks, such as complimentary airport lounge access, travel insurance, and roadside assistance.

Cons:

Limited reward redemption options (restricted to fuel or merchandise)
Rs. 499 joining fee applies after the introductory period
Foreign exchange (FX) mark-up of 3.5%

While the IDFC First Bank Rupay Credit Card offers great benefits for fuel spenders, it may not be the best fit for those seeking more flexible reward redemption choices. If you prioritize versatile reward options, exploring alternative credit cards might be worth considering.

To apply for the IDFC First Bank Rupay Credit Card, simply visit the IDFC First Bank website or reach out to their customer care number.

Card Details:

OVERVIEW:

Save up to ₹18,500 annually with this credit card.
Welcome benefits worth ₹1,650
Lifestyle Privileges
Never Expiring Rewards
Low & Dynamic Interest rates starting at 9% per annum
0% Interest on ATM Cash Withdrawals until due date.

BENEFITS & PRIVILEGES OF IDFC First Bank Rupay Credit Card

⧪ Up to 6.5% savings on your fuel expenses

4% savings as Rewards on HPCL fuel & LPG expenses of up to ₹10,000/ month.
1.5% savings as Payback Rewards through HP Pay App fueling up to ₹5,000/ month.
1% savings as fuel surcharge waiver on fuel expenses of up to ₹20,000/ month.
5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000/ month.

⧪ 5% savings as Rewards on IDFC FIRST FASTag recharge of up to ₹1,000 every month
⧪ 3X Rewards on other retail transactions:

3X Rewards = 3 Reward Points per ₹150 = ₹0.75.
Reward structure:
⤻ HPCL Fuel & LPG: 24 Rewards per ₹150.
⤻ Grocery & Utility and IDFC FIRST FASTag: 30 Rewards per ₹150.

⧪ Reward structure for HP Pay App: 6 Payback Rewards per ₹100
⧪ Rewards not applicable on HPCL Fuel & LPG spends beyond monthly capping.
⧪ Non-HPCL fuel, Insurance premium, EMI transactions & Cash withdrawals
⧪ IDFC FIRST FASTag transactions eligible for rewards only if done through FIRST forward and IDFC FIRST Mobile Banking app. – Click here to Apply

>> Know more : Student Credit Cards: #1 Comprehensive Guide.

Exciting welcome benefits & merchant offers to get you started!

₹500 cashback on 1st HPCL fuel transaction of ₹500 or above*
5% cashback (up to ₹1,000) on the transaction value of 1st EMI conversion*
₹150 Discount on order above ₹500 on Swiggy
₹500 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

Powerful lifestyle privileges for a life in the fast lane!

Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of ₹5,000
Complimentary Roadside Assistance worth ₹1,399
25% off on movie tickets up to ₹100, once every month
Personal Accident Cover of ₹2,00,000 and 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)

Additional Unique benefits:

Of IDFC First Bank Rupay Credit Card : 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.

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.

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>> Know more: Student Credit Cards: #1 Comprehensive Guide.