IDFC FIRST Hello Cashback Credit Card
Fees
₹1,000* Plus Applicable Taxes
Joining & AnnualReward 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 Access
No Lounge Access
FindMyCard 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.
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
Editorial Verdict
The IDFC FIRST Hello Cashback Credit Card is ideally suited for online shopping spends and travel bookings via the idfc first mobile ecosystem. If you want up to 5% cashback on online shopping spends; up to 6% cashback back on travel bookings executed via the idfc first mobile app, this card delivers real value. The ₹1,000* plus applicable taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (720+) credit to be approved.
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
🚀 Milestone Spends Timeline
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 & Charging Rates
Annual Fee Waivers
₹1,000* Plus Applicable Taxes
💡 Annual fee waived on reaching ₹2 Lakh in annual spends
Regular Interest Charges
Subject to IDFC FIRST Bank standard tiered credit interest rate structures
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
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; 1% cashback on offline spends | 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 |