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Credit Cards · India

IDFC FIRST Hello Cashback Credit Card

Updated 3 Jul 2026Source-linked

The IDFC FIRST Hello Cashback Credit Card is a entry credit card from IDFC FIRST Bank, with a joining fee of ₹0 + GST.

It earns up to 5% on incremental online above 10k spends in the form of cashback.

Welcome benefit: ₹1,000 introductory cashback offer.

IDFC FIRST Bank logo
IDFC FIRST Hello Cashback Credit Card
Visa logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForCashback
  • Reward TypeCashback
Rewards Rate
  • 5% on incremental online above 10k (cap 1000 cashback inr / statement)
  • 1% on hotel flight app
  • Base 1.00% on other spends
Welcome Benefits
  • ₹1,000 introductory cashback offer
Data verified 3 Jul 2026 — see our methodology
IDFC FIRST Bank logoIDFC FIRSTVisa logoplatinumentryLifetime free
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Rewards and Benefits

Rewards Rate
5% on incremental online above 10k (cap 1000 cashback inr / statement)
1% on hotel flight app
Base 1.00% on other spends.
Reward Redemption
IDFC FIRST Cashback: Redeem at ₹1 per unit.
Welcome Benefits
₹1,000 introductory cashback offer
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • UPI on credit card — 1% cashback on UPI spends made by scanning via the IDFC FIRST Bank app.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹350/mo

    You spend ₹15,000 · earns 2.3% = ₹350 uncapped

    • Capped at ₹1,000/mo
  • Travel & hotels₹100/mo

    You spend ₹10,000 · earns 1.0% = ₹100 uncapped

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹7,920/yr

₹7,920 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by IDFC FIRST Bank.
  • Lifetime free — no joining or annual fee.
  • Available on the Visa network.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
  • Accelerated earn worth ≈5.0% on incremental online above 10k.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹1,000 welcome benefit

  • ₹1,000 introductory cashback offer
    Introductory offer on early spends
    Window: 90 days from issuance.

Accelerated rewards

  • 5% on incremental online above 10k (cap 1000 cashback inr / statement)
    5% cashback on INCREMENTAL online spends above ₹10,000/month — the first ₹10,000 earns the 1% base, only the excess earns 5% (online cashback capped ₹1,000/statement, so the 5% slab saturates at ₹20,000 of incremental spend). Essentials & fuel do not count toward the ₹10,000 milestone.
  • 1% on hotel flight app
    Additional 1% cashback on hotel & flight bookings via the IDFC FIRST Bank app (total up to 6%).
Capping rules
  • Online-spend cashback capped at ₹1,000/statement; total cashback capped at ₹1,500/statement.
  • No cashback on fuel, ATM cash withdrawals, EMI, or UPI spends via third-party apps (GPay/PhonePe/Paytm).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • emi
  • wallet loads

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.

Other benefits

  • UPI on credit card. 1% cashback on UPI spends made by scanning via the IDFC FIRST Bank app.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
—
Income (salaried)
—
Income (self-employed)
—

FD-backed — issued against a fixed deposit (from ₹10,000); no income/credit-score requirement.

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