About IDFC FIRST Hello Cashback Credit Card
IDFC FIRST Hello Cashback Credit Card is a secured RuPay credit card issued against a fixed deposit of ₹10,000 or more. You get a credit limit equal to your FD amount and earn cashback on your spending. The card offers up to 5% cashback on online spends and up to 6% cashback on travel, along with 1% cashback on all other purchases. However, cashback on UPI transactions is available only when payments are made through the IDFC FIRST Bank app, which may be limiting for some users.
This cashback credit card is suitable for people who shop online frequently and want better savings on travel spends. With an annual fee of ₹1,000, the card still remains affordable, especially since the fee can be waived on annual spends of ₹2 lakh. If you are looking for an IDFC FIRST Credit Card with simple cashback benefits and easy approval through FD backing, this card can be a good option.
IDFC FIRST Hello Cashback Credit Card Rewards Program
Cashback Benefits
- Earn 5% cashback on online spends above ₹10,000 per month
- Earn 3% cashback on online spends up to ₹10,000 per month
- Earn 1% cashback on offline, essential and UPI spends via the app
- Get an extra 1% cashback on flight and hotel bookings via the app
- Monthly cashback capped at ₹1,000 for online spends and ₹1,500 overall
Also Read: Best Cashback Credit Cards in India
Other Features and Benefits
Fee Waiver
- 50% fee reversal on annual spends between ₹1 lakh and ₹2 lakh
- 100% fee reversal on spends of ₹2 lakh or more
Also Read: Best Fee Waiver Credit Cards in India for 2026
Fuel Benefit
- 1% fuel surcharge waiver up to ₹100 per month on spends between ₹200–₹5,000
Roadside Assistance
- 24/7 roadside assistance worth ₹1,399, available up to 4 times a year
Credit Limit
- Get a credit limit equal to 100% of your fixed deposit, with an option to increase by adding an FD of ₹5,000 or more
Insurance Coverage
- Personal accident cover of ₹2 lakh
- Lost card liability cover of ₹25,000
- Credit shield cover of ₹50,000
- Purchase protection cover of ₹25,000
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Rs. 1,000 + taxes (Nil via introductory offer) |
| Annual Fee | Rs. 1,000 + taxes |
| Finance Charges | 0.71 to 3.99% p.m. (8.50 to 47.88% p.a.) |
| Cash Withdrawal Fee | Rs. 199 + taxes with 0% interest for up to 45 days |
| Late Payment Charges | 15% of total amount due, subject to a min. of Rs. 100 and a max. of Rs. 1,300 |
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Document Required For IDFC FIRST Hello Cashback Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Hello Cashback Credit Card Highlights
What do we like about this card?
- Earn 5% cashback on online spends above ₹10,000 and 3% on spends up to ₹10,000 per month
- Get 1% cashback on offline, essential and UPI spends, plus extra 1% on travel bookings via the app
- Monthly cashback capped at ₹1,000 for online spends and ₹1,500 overall
- Get a credit limit equal to 100% of your fixed deposit, with easy limit increase option
- Enjoy up to 100% annual fee waiver on spends of ₹2 lakh or more
- Get 1% fuel surcharge waiver up to ₹100 per month
- Avail 24/7 roadside assistance worth ₹1,399, up to 4 times a year
Things to Know Before you apply
Get this card if:
- You shop online often and want to earn up to 5% cashback on your spends
- You are comfortable using the bank’s app to get higher cashback on travel bookings
- You want a secured card to build your credit score with simple cashback benefits
- You can spend enough yearly to waive the annual fee or are okay paying it for better savings
Pros
- Easy annual fee waiver condition
- Up to 5% cashback on online spends
- Up to 6% cashback on travel bookings
- 1% cashback on UPI and other spends
Cons
- Monthly cashback is capped
- Limited lifestyle benefits beyond cashback
- No cashback on UPI payments outside IDFC FIRST app
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
Yes, you can link the card to any UPI app. However, cashback on UPI spends is given only when payments are made through the IDFC FIRST Bank app.
You can earn up to 6% cashback on hotel and flight bookings made via the bank app, 5% on other online travel spends, and 1% on offline travel like railway bookings.
Anyone between 18 to 80 years with an IDFC FIRST Bank fixed deposit of ₹10,000 or more can apply. No credit score or income proof is required.
You need a minimum FD of ₹10,000, held in a single name with auto-renewal and reinvestment enabled. The FD will have a lien marked against it.
Your credit limit is equal to your FD amount. You can increase it by adding another FD of ₹5,000 or more.
