Hello Cashback Credit Card
A RuPay cashback card against a fixed deposit of ₹10,000 or more: 3% on online spends up to ₹10,000 a cycle and 5% above, 1% in store, on bills and essentials and on UPI through the IDFC FIRST app; online cashback capped at ₹1,000 and all cashback at ₹1,500 a statement cycle. Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | ₹1,000 plus GST Product page |
| Annual fee waiver | On ₹2,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| The ₹0 joining fee is an introductory offer on a normal ₹1,000 + GST. Half the annual fee is reversed on ₹1 lakh to ₹2 lakh of spend in a year. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| 3% on online spends up to ₹10,000 a statement cycle (5% above that, not modelled); online cashback up to ₹1,000 a cycle | 3% cashback Product page | up to ₹1,000 a statement cycle (shared) Product page |
| 1% on essentials: utilities, rent, wallet loads, insurance, education, government, railway and FASTag | 1% cashback Product page | up to ₹1,500 a statement cycle (shared) Product page |
| 1% on UPI through the IDFC FIRST app (UPI through other apps earns nothing) | 1% cashback Product page | up to ₹1,500 a statement cycle (shared) Product page |
| 1% on in-store card swipes and other spends | 1% cashback Product page | up to ₹1,500 a statement cycle (shared) Product page |
Cashback is credited to the card a day after the payment due date, if at least the minimum amount due is paid.
Online spends earn 3% on the first ₹10,000 of a statement cycle and 5% above it; CardWise counts 3% throughout. All cashback together is capped at ₹1,500 a cycle and online cashback at ₹1,000; CardWise applies the ₹1,000 to online spends and the ₹1,500 to the rest. International spends are counted at the 1% in-store rate.
No rewards on
- Fuel (surcharge waiver applies), EMI and cash withdrawals Product page
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹200 to ₹5,000, up to ₹100 a statement cycle Product page
Also on this card
Quoted from IDFC FIRST Bank; not counted in the net value.
- Extra 1% cashback on hotels and flights booked in the IDFC FIRST app Product page
- Roadside assistance worth ₹1,399, up to 4 times a year Product page
- Personal accident cover of ₹2 lakh; credit shield of ₹50,000 Product page
Eligibility
- A fixed deposit of at least ₹10,000 with IDFC FIRST Bank; the limit is at least 100% of the deposit Product page
- Age 18 or above Product page
- Age 80 or below Product page
- Indian resident citizen with a current and permanent address Product page
- No income proof or credit history needed Product page
Not published by IDFC FIRST Bank in the documents read
- a welcome benefit
- airport lounge access
The quotes behind the figures
31 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“Joining fees ₹0 (Introductory Offer)”
“Annual fee for Hello Cashback Credit Card is ₹1000+GST.”
“Spend ₹2,00,000 or more in a year and get 100% annual fee reversed.”
“Enjoy Zero Forex Markup on all international spends.”
“3% Cashback* on online spends up to ₹10,000.”
“Maximum Cashback that can be earned on online spends is ₹1,000 in a statement cycle.”
“5% Cashback* on incremental online spends above ₹10,000.”
“Online spends done on essential categories and fuel will not count towards the ₹10,000 online spends milestone.”
“1% Cashback* on essential categories (Utility, Rent, Jewellery, Wallet load, Insurance, Education, Gift Card, Government Services, FASTag, and Railway).”
“Total Cashback that can be earned is ₹1,500 in a statement cycle.”
“1% Cashback* on UPI spends done via IDFC FIRST Bank App.”
“1% Cashback* on in-store card swipe.”
“Fuel, ATM Cash withdrawals, EMI, UPI transactions done via other UPI apps (GPay, PhonePe, Paytm, etc.) are excluded from Cashback benefits.”
“Your Hello Cashback Credit Card is UPI enabled and auto linked to IDFC FIRST Bank App.”
“Joining Fee: ₹1,000+GST ₹0 Introductory offer”
“Spend ₹1,00,000 - ₹2,00,000 in a year and get 50% annual fee reversed.”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“Cashback shall be computed only on Spends up to the Cardholder's Credit Limit as on the Statement Date.”
“Cashback earned will be credited to Card account one day after payment due date, provided the Minimum Amount Due is paid for the statement cycle on or before the payment due date.”
“Credit Shield of ₹50,000”
“Get 1% Fuel Surcharge Waiver up to ₹100 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000”
“Bonus 1% Cashback on hotel & flight booking done via IDFC FIRST Bank App.”
“Complimentary Roadside Assistance worth ₹1,399. Roadside assistance can be availed up to 4 times in a year.”
“Personal accident cover of ₹2,00,000, valid on making at least one transaction on Hello Cashback Credit Card in the last 30 days”
“The credit limit for your Hello Cashback Credit Card will be minimum 100% of your fixed deposit amount.”
“The applicant is required to create and maintain a minimum fixed deposit of ₹10,000.”
“Age Limit Criteria: 18 to 80 years”
“The applicant must qualify as an Indian resident citizen with a current and permanent residential address in India”
“No, you do not need any credit history or income proof to apply for the Hello Cashback Credit Card.”
“Unlock up to ₹18,000 cashback annually Apply Now”
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Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology