IDFC First Bank
IDFC FIRST Hello Cashback Credit Card
Data last verified: 11 October 2026
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Reward rate1% base, up to 3% on online shopping; 4% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup0%
Hello Cashback is a secured card from IDFC FIRST. You keep at least Rs 10,000 in a fixed deposit and get a credit limit equal to it, which makes it easy to get and a solid way to build a credit score.
It pays 3% cashback on online spends, capped at Rs 1,000 a month, and 1% on UPI payments through the IDFC FIRST app and on in-store swipes. Hotel and flight bookings made in the IDFC FIRST app earn extra. Roadside assistance is included up to four times a year.
The fee is ₹1,000 to join and Rs 1,000 a year, and the renewal is waived once you spend ₹2 lakh in the year. At 3% online, around Rs 2,800 of online spend a month already covers the fee. The catch is the monthly caps.
Best for: New to credit users who shop online, People rebuilding a credit score, UPI users who bank with IDFC FIRST, Applicants aged 18 to 80 without income proof.
01IDFC FIRST Hello Cashback Credit Card Rewards and Benefits
02IDFC FIRST Hello Cashback Credit Card Annual Fee and Charges
- Joining fee
- ₹1,000 + GST
- Annual fee
- ₹1,000 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 0%
- Interest rate
- Not published
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 3%₹150
- ₹15,000 on everything else, earning 1%₹150
- Back each month, ₹3,600 a year₹300
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹3,600
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at Hotel and flight bookings made through the IDFC FIRST Bank mobile app: 4% back, up to ₹1,500 a month
- Online shopping: 3% back, up to ₹1,000 a month
- Spending ₹16,667 or more a month: the ₹1,180 fee is waived
- Spending abroad: 0% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,180 fee is then charged
- most of your spending is fuel: those earn nothing on this card
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Hotel and flight bookings made through the IDFC FIRST Bank mobile app: the 4% rate applies only there, everything else earns 1%
04Product Details
- Secured card issued against a fixed deposit, minimum ₹10,000
- Credit limit of 100% of the FD amount
- ₹1,000 joining and annual fee, renewal waived at ₹2 lakh yearly spend
- 3% cashback on online spends, capped at ₹1,000 a month
- 1% cashback on UPI via the IDFC FIRST app and on in-store swipes
- Extra cashback on hotel and flight bookings in the IDFC FIRST app
- Roadside assistance up to four times a year
05Pros and Cons
Pros
- Cashback is paid as money, not points
- 3% back on online shopping
- Limit equals your full FD
- No minimum income required
Cons
- ₹1,000 fee if you spend under ₹2 lakh a year
- Online cashback is capped at ₹1,000 a month
06How IDFC FIRST Hello Cashback Credit Card earns Rewards
1% base, up to 3% on online shopping; 4% only at partner merchants. Everything the card pays is capped at ₹1,500 a month.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 3% | ₹1,000, shared with other bonus rates | All merchants in the categoryTerms: 3% cashback on online spends up to ₹10,000/statement cycle, 5% on incremental online spend above ₹10,000; online cashback capped at ₹1,000 a cycle, within the shared ₹1,500/cycle total cashback cap |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 4% | ₹1,500, shared with other bonus rates | Only at: Hotel and flight bookings made through the IDFC FIRST Bank mobile appTerms: About 4% total on hotels and flights booked via the IDFC FIRST app (3% base online rate + 1% bonus; 6% total on the incremental tier above ₹10,000 of online spend); counts toward the shared ₹1,500/cycle total cashback cap |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | ₹1,500, shared with other bonus rates | All merchants in the categoryTerms: 1% cashback on essentials, utility, rent, insurance, education, wallet load, FASTag, railway, government services, jewellery and gift cards; counts toward the shared ₹1,500/cycle total cashback cap |
| Rent | 1% | No cap | The card's normal rate |
| Insurance premiums | 1% | No cap | The card's normal rate |
| School and college fees | 1% | No cap | The card's normal rate |
| Wallet top-ups | 1% | No cap | The card's normal rate |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% cashback on UPI (via IDFC FIRST app) and on offline card swipes; total cashback across all categories shares one ₹1,500 cap per statement cycle
07IDFC FIRST Hello Cashback Credit Card Travel Benefits
Spending abroad carries a 0% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover.
- Fuel surcharge waiver: 1% fuel-surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹100 per statement cycle (fuel itself earns no cashback)
- Insurance cover: Personal accident cover of ₹2,00,000 and lost-card liability of ₹25,000 (both require one transaction in the previous 30 days), credit shield of ₹50,000, purchase protection of ₹25,000, plus roadside assistance worth ₹1,399 up to four times a year
08IDFC FIRST Hello Cashback Credit Card Eligibility and Documents
- Age
- 18 to 80 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Fixed deposit of ₹10,000 or more (no income proof required)
09Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 9 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| Apr 2026 | Changed: Zero-joining-fee introductory offer extended to 31 August 2026Source: IDFC First Bank | ₹0 intro offer, originally slated to end 31 March 2026 | ₹0 intro offer extended, now valid till 31 August 2026 (standing fee ₹1,000) |
| 16 Feb 2026 | Changed: IDFC FIRST Hello Cashback launchedSource: IDFC First Bank | - | - |
See this card's change history → · All card changes in September 2026 →
10Cards Similar to IDFC FIRST Hello Cashback Credit Card
IDFC FIRST Hello Cashback Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IDFC FIRST Hello Cashback Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹1,000 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹1,000 + GST | Lifetime free | Lifetime free |
| Rewards | 1% base, up to 3% on online shopping; 4% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | Not included | Unlimited | Not included |
| Forex markup | 0% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IDFC FIRST Hello Cashback Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is Hello Cashback a secured card?
Yes. It is issued against a fixed deposit of at least ₹10,000 and your credit limit equals the deposit.
Will it help my credit score?
Yes. Regular use and on-time payments are reported to credit bureaus and build your score.
Is the ₹1,000 annual fee waived?
Yes, once you spend ₹2 lakh in a year. Below that the fee plus GST is charged.
Is there a cap on cashback?
Yes. Online cashback of 3% is capped at ₹1,000 a month, and the 1% categories have their own monthly caps.
What is the joining fee for the IDFC FIRST Hello Cashback Credit Card?
The joining fee is ₹1,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IDFC FIRST Hello Cashback Credit Card?
The annual fee is ₹1,000 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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