cashback
IDFC FIRST Hello Cashback Credit Card
A secured RuPay card offering up to 5% cashback across online purchases and strong cashback on everyday UPI spending.
Annual Fee
₹1,000+GST from year 2
Rewards
5% cashback on incremental online spend above ₹10,000; 3% online up to ₹10,000; 1% UPI through bank app, in-store and essential categories; additional 1% on app travel bookings
Lounge Access
None advertised
Fuel Waiver
1% on ₹200–₹5,000 transactions, capped at ₹100/statement cycle
Milestone
100% annual-fee reversal at ₹2L annual spend; 50% reversal at ₹1L–₹2L
Best For
Cashback-focused customers without a strong credit history
Welcome Offer
₹0 joining fee introductory offer valid through 31 August 2026
Type
Cashback
Description
Hello Cashback is an FD-backed RuPay card requiring a minimum ₹10,000 fixed deposit. It offers 3% cashback on eligible online spending up to ₹10,000 per statement cycle and 5% on incremental online spends above ₹10,000, plus 1% on UPI through the IDFC FIRST Bank app, in-store transactions and essential categories such as rent, utilities, education and FASTag. Travel bookings through the bank app receive another 1%, taking eligible travel cashback to as much as 6%. Online cashback is capped at ₹1,000 and total cashback at ₹1,500 per statement cycle. The current ₹0 joining-fee promotion is explicitly valid until 31 August 2026.
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