IDFC FIRST Hello Cashback Credit Card
Fees
₹1,000* Plus Applicable Taxes
Joining & annual
Reward Rate
Up to 5% cashback on online shopping spends; Up to 6% cashback back on travel bookings executed via the IDFC FIRST mobile app
Welcome Bonus
N/A
Lounge
No Lounge Access
Recent changes
Our Expert Take
IDFC FIRST Hello Cashback offers a solid 5% on general online shopping and up to 6% on travel booked through the bank's app. At ₹1,000, it costs more upfront than IDFC's free cards, but the ₹2 lakh waiver threshold is reasonable if you're a consistent spender.
Reward limits
Checked 11 Oct 2026 · Bank terms
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Cashback on online spends
Max ₹1,000 per statement cycle
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Total cashback
Max ₹1,500 per statement cycle
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- Up to 5% cashback on online shopping
- Up to 6% back on travel bookings made through the IDFC FIRST app
- Fee waived on ₹2 lakh in annual spend, an achievable bar
Limitations
- Carries an upfront first-year joining fee barrier of ₹1,000, unlike select entry-level zero-fee options
- Top travel cashback only applies to bookings made through IDFC FIRST's own app
- Cashback yields on offline purchases and core utility exclusions follow a lower baseline structure
Key Perks & Spending Milestones
Up to 5% flat cashback generated on all valid everyday online shopping spends and digital retail outlays
Up to 6% accelerated value-back on flight, hotel, and travel configurations executed directly through the IDFC FIRST mobile application
Earn rewards back on standard retail expenditures outside the accelerated shopping brackets
Built-in fuel surcharge exemption cover operating clean across valid domestic petrol pump transactions
Spend milestone
Complete ongoing annual card renewal fee waiver for the subsequent cycle upon checking off a cumulative ₹2,00,000 retail spending target inside the previous year
Fees & Charges
Joining fee
₹1,000* Plus Applicable Taxes
Annual fee
₹1,000* Plus Applicable Taxes
Annual fee waived on reaching ₹2 Lakh in annual spends
Interest rate
Subject to IDFC FIRST Bank standard tiered credit interest rate structures
Late payment fee
Nil for balance up to ₹500; ₹500 for ₹501-₹5,000; ₹750 for ₹5,001-₹10,000; ₹1,100 for balance above ₹10,000.
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good (720+)
Frequently Asked Questions
What's the cashback structure on IDFC FIRST Hello Cashback?
Is there a cashback cap on this card?
How is the ₹1,000 joining fee waived?
Compare IDFC FIRST Hello Cashback Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Hello Cashback Credit Card This Card | ₹1,000* Plus Applicable Taxes | Up to 5% cashback on online shopping spends; Up to 6% cashback... | No Lounge Access | 3.5/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |