Hello Cashback Credit Card
IDFC FIRST Bank · Cashback
Up to 5% cashback across categories; 1% cashback on UPI spends via the bank app.
- Joining fee
- Free
- Annual fee
- ₹1,000
- Waiver spend
- ₹2,00,000
- Forex markup
- 0%
Fee waiver
Spend ₹2,00,000 in a card year and the next annual fee is waived.
That is about ₹16,667 a month.
Work out what you still need to spend
Recent changes
- 9 September 2026Better for you
Forex markup cut to zero on all existing and new credit cards, and a planned stop to reward points on international spends was dropped.
- 18 June 2026Worse for you
Movie benefits need Rs 20,000 spend in the previous month, and reward points are earned only on spends up to the credit limit.
Work it out for this card
How the app counts rewards
- 1% on utilities, rent, wallet loads, insurance, education, FASTag and railways
- 3% on online spends (5% on online spends above ₹10,000 a cycle)
- 1% on in-store spends
No rewards on fuel.
Who can apply
- Age 18 to 80
Secured card against an IDFC FIRST Bank fixed deposit of at least ₹10,000
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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