IDFC FIRST Hello Cashback Credit Card
Card Details
Card Details
- Issuer
- IDFC FIRST Bank
- Card type
- Cashback
- Joining fee
- Nil (Limited Time)
- Annual fee
- ₹1,000 + GST
- Rewards currency
- Cashback
Highlights
Highlights
- Up to 5% Cashback on Online Spends
- 1% Cashback on UPI
- FD-Backed (Min ₹10,000)
- Annual Fee Waiver on ₹2L Spend
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining Fee: Nil (limited time offer). Annual Fee: ₹1,000 + GST.
- No specific welcome benefits.
- Annual fee waiver on ₹2L spend.
- 100% credit limit against FD value.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| Online Spends above ₹10,000/cycle | 5% Cashback |
| Online Spends up to ₹10,000/cycle | 3% Cashback |
| UPI via IDFC App | 1% Cashback |
| In-store Card Swipes | 1% Cashback |
| Utilities, Rent, Insurance, Education | 1% Cashback |
- Cashback auto-credited to card account.
- Cashback capped at ₹500 per statement cycle.
- No cashback on EMI and cash transactions.
Additional Benefits
Additional Benefits
- FD-backed card — easy approval, even with low/no credit score.
- Continue earning interest on FD while using credit limit.
- 1% fuel surcharge waiver (max ₹100/cycle).
- No lounge, movie, dining, or golf benefits.
Review
Review
A solid option for first-time credit card users. The up to 5% cashback on online spends is competitive. No harm in getting this.