Hello Cashback
IDFC FIRST Bank · Credit card

Hello Cashback

A credit card from IDFC FIRST Bank. Facts below come from the issuer's own documents. Network: RuPay.

Hello Cashback card artwork
Annual fee
₹1,000
Fee waiver
Spend ₹2,00,000 a year
Rewards
  • 3% cashback on eligible online spends up to ₹10,000 per statement cycle
  • 5% on incremental eligible online spends above ₹10,000. 1% on UPI via the bank app, in-store swipes and essential categories. Bank-app hotel/flight bookings earn an additional 1%. Online cashback capped at ₹1,000 and total cashback at ₹1,500 per statement cycle. Essential-category and fuel spends do not count toward the online milestone
  • Fuel, ATM cash, EMI and third-party-app UPI earn no cashback

Benefits & rewards

Issuer information
Rewards
  • 3% cashback on eligible online spends up to ₹10,000 per statement cycle
  • 5% on incremental eligible online spends above ₹10,000. 1% on UPI via the bank app, in-store swipes and essential categories. Bank-app hotel/flight bookings earn an additional 1%. Online cashback capped at ₹1,000 and total cashback at ₹1,500 per statement cycle. Essential-category and fuel spends do not count toward the online milestone
  • Fuel, ATM cash, EMI and third-party-app UPI earn no cashback
Reward cap
Cashback on online spends capped at ₹1,000 in a statement cycle. Total Cashback capped at ₹1,500 in a statement cycle.
Lounge access
Not included
Does not earn on
Rent, jewellery, wallet, insurance, education, gift card, government, FASTag, railway.
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹1,000
Joining fee
₹0
Fee waiver
Spend ₹2,00,000 in a year
Foreign purchases
0% markup on international spends
Eligibility
Age 18+ · Income not disclosed
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against IDFC FIRST Bank's own pages. Only independently approved changes appear here.

  1. Eligibility
    Newly listed
    Age 18–80; no credit score required; minimum fixed deposit ₹10,000.

    Eligibility is now listed as Age 18–80; no credit score required; minimum fixed deposit ₹10,000.

    Verified 11 Sep 2026 · issuer page
  2. Foreign currency markup
    Changed
    3.5%0%

    Foreign currency markup changed from 3.5% to 0%

    Verified 11 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page
  3. Joining fee
    Changed
    ₹4,000₹0 (nil)

    Joining fee changed from ₹4,000 to ₹0 (nil)

    Verified 11 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page
  4. Reward cap
    Changed
    1000 per_statement_cycle; 1000 per_statement_cycleCashback on online spends capped at ₹1,000 in a statement cycle. Total Cashback capped at ₹1,500 in a statement cycle.

    Reward cap changed from 1000 per_statement_cycle; 1000 per_statement_cycle to Cashback on online spends capped at ₹1,000 in a statement cycle. Total Cashback capped at ₹1,500 in a statement cycle.

    Verified 11 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page
  5. Reward rates
    Changed
    online spends up to ₹10,000 per statement cycle 3% cashback; online spends above ₹10,000 per statement cycle 5% cashback; UPI spends via IDFC FIRST Bank App 1% cashback; in-store card swipe (offline) 1% cashback; essential categories (Utility, Rent, Jewellery, Wallet load, Insurance, Education, Gift Card, Government Services, FASTag, Railway) 1% cashback; hotel & flight bookings via IDFC FIRST Bank App 1% cashback3% cashback on eligible online spends up to ₹10,000 per statement cycle; 5% on incremental eligible online spends above ₹10,000. 1% on UPI via the bank app, in-store swipes and essential categories. Bank-app hotel/flight bookings earn an additional 1%. Online cashback capped at ₹1,000 and total cashback at ₹1,500 per statement cycle. Essential-category and fuel spends do not count toward the online milestone; fuel, ATM cash, EMI and third-party-app UPI earn no cashback.

    Reward rates changed from online spends up to ₹10,000 per statement cycle 3% cashback; online spends above ₹10,000 per statement cycle 5% cashback; UPI spends via IDFC FIRST Bank App 1% cashback; in-store card swipe (offline) 1% cashback; essential categories (Utility, Rent, Jewellery, Wallet load, Insurance, Education, Gift Card, Government Services, FASTag, Railway) 1% cashback; hotel & flight bookings via IDFC FIRST Bank App 1% cashback to 3% cashback on eligible online spends up to ₹10,000 per statement cycle; 5% on incremental eligible online spends above ₹10,000. 1% on UPI via the bank app, in-store swipes and essential categories. Bank-app hotel/flight bookings earn an additional 1%. Online cashback capped at ₹1,000 and total cashback at ₹1,500 per statement cycle. Essential-category and fuel spends do not count toward the online milestone; fuel, ATM cash, EMI and third-party-app UPI earn no cashback.

    Verified 11 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.