IDFC

IDFC FIRST HELLO Cashback Credit Card

Apply for IDFC First Hello Cashback Credit Card for 5% cashback on online spends, 3% base rate, FD-backed & no annual fee. Best for first-time users.

ShoppingTravelUPI
Apply Now View More Cards
Issued by

IDFC

IDFC FIRST HELLO Cashback Credit Card image
Joining FeeFree
Annual Fee₹1000
Income₹25000
Credit Score720

Key Highlights

Shopping

Get Up To 5% Cashback on Online Spends

with 3% on spends up to ₹10,000 and 5% on incremental spends above ₹10,000, capped at ₹1,000 per statement cycle

UPI

Earn 1% Cashback on UPI spends

via IDFC FIRST Bank app, capped at ₹1,500 per statement cycle

Travel

Get Up To 6% Cashback on Hotel and Flight

bookings via IDFC FIRST Bank app with 1% additional bonus cashback over the base online cashback rate

Get Up To 5% Cashback on Online Spends

with 3% on spends up to ₹10,000 and 5% on incremental spends above ₹10,000, capped at ₹1,000 per statement cycle

Get Up To 6% Cashback on Hotel and Flight

bookings via IDFC FIRST Bank app with 1% additional bonus cashback over the base online cashback rate

Eligibility

Age Criteria18-80
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree
Joining Fee OffsetNot Applicable
Annual Fee₹1000
Annual Fee WaiverThe annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.
Estimated Annual Saving₹18000

Rewards & Redemption

Reward ConversionN/A
Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement

Earning ExclusionsFuel, ATM Cash withdrawals, EMI, UPI apps, Balance transfers
Spend ExclusionsFuel, ATM Cash withdrawals, EMI, UPI apps (GPay, PhonePe, Paytm etc.), Balance transfers

Benefits

All Benefits

  • Up to 5% cashback benefit on spends across various categories
  • Cashback worth up to ₹18,000 per year
  • 1% cashback on UPI spends when scanning and paying using IDFC FIRST Bank app
  • Credit limit equals 100% of FD value for deposits starting ₹10,000
  • Increase credit limit instantly by linking multiple FDs; additional FD starts at ₹5,000
  • Interest-free cash withdrawal for up to 45 days at a nominal fee of ₹199 + GST
  • Earn interest on FD and cashback on the card simultaneously

Flight Benefits

  • Up to 6% cashback on travel bookings
  • Earn additional 1% cashback on hotel and flight bookings done via Bank app

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
Apply Now