IDFC
IDFC FIRST HELLO Cashback Credit Card
This is an invite only card
Apply and get ₹250 Rewards
Top Benefits
Get Up To 5% Cashback on Online Spends
with 3% on spends up to ₹10,000 and 5% on incremental spends above ₹10,000, capped at ₹1,000 per statement cycle
Get Up To 6% Cashback on Hotel and Flight
bookings via IDFC FIRST Bank app with 1% additional bonus cashback over the base online cashback rate
Best For
Shopping
Travel
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
Eligibility
Age
Criteria*
18-80 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
All Card Benefits
- Up to 5% cashback benefit on spends across various categories
- Cashback worth up to ₹18,000 per year
- 1% cashback on UPI spends when scanning and paying using IDFC FIRST Bank app
- Credit limit equals 100% of FD value for deposits starting ₹10,000
- Increase credit limit instantly by linking multiple FDs; additional FD starts at ₹5,000
- Interest-free cash withdrawal for up to 45 days at a nominal fee of ₹199 + GST
- Earn interest on FD and cashback on the card simultaneously
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
To check redemption catalogue
N/A
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
ATM Cash withdrawals
EMI
UPI apps
Balance transfers
For Spends Waiver
Fuel
ATM Cash withdrawals
EMI
UPI apps (GPay
PhonePe
Paytm etc.)
Balance transfers
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50 |
APR Fees Finance charges of 3.85% per month (46.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.85% |
ATM withdrawal ₹199 of the withdrawn amount is charged on cash advances using the credit card | ₹199 |
Reward Redemption Fees ₹99 per redemption request is applicable | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees Cash payment fee at IDFC FIRST Bank branches is NIL for IDFC FIRST Hello Cashback Credit Card | NIL |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5000 | ₹750 |
| ₹5001 - ₹8000 | ₹1200 |
| ₹8001 - ₹10000 | ₹1300 |
| Above ₹10001 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹250 Rewards
Top Benefits
Get Up To 5% Cashback on Online Spends
with 3% on spends up to ₹10,000 and 5% on incremental spends above ₹10,000, capped at ₹1,000 per statement cycle
Get Up To 6% Cashback on Hotel and Flight
bookings via IDFC FIRST Bank app with 1% additional bonus cashback over the base online cashback rate
The smartest way to find your great credit card
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