FIRST Hello Cashback Credit Card

Rewards, as stated by the issuer

• Hello Cashback Credit Card | Earn up to 5% Cashback with FD backed credit card. | IDFC FIRST Bank
• Unlock up to ₹18,000 cashback annually
• Additional 1% Cashback on Hotel and Flights
• Cashback on online spends capped at ₹1,000 in a statement cycle. Total Cashback capped at ₹1,500 in a statement cycle.
• Online spends done on essential categories and fuel will not count towards the ₹10,000 online spends milestone.
• Up to 5% Cashback benefit
• Earn up to 5% cashback worth ₹18,000 per year on spends across various categories. The more you spend, the more you get.
• 1% Cashback on UPI spends
• Scan and pay using IDFC FIRST Bank app and earn 1% Cashback on your UPI spends
• Up to 6% Cashback ​
• Earn additional 1% Cashback on Hotel and Flight bookings done via Bank app
• Personal accident cover of ₹2,00,000, valid on making at least one transaction on Hello Cashback Credit Card in the last 30 days
• Lost card liability cover of ₹25,000 valid on making at least one transaction on Hello Cashback Credit Card in the last 30 days
• Earn 1% Cashback on UPI payments done via IDFC FIRST Bank app
• The credit limit for your Hello Cashback Credit Card will be minimum 100% of your fixed deposit amount.
• With Hello Cashback Credit Card you get up to 5% Cashback on online spends and 1% Cashback on UPI spends done through the IDFC FIRST Bank app, in-store card swipe, and essential categories like utility, insurance, education, etc.
• • 3% Cashback* on online spends up to ₹10,000.
• • 5% Cashback* on incremental online spends above ₹10,000.

Other benefits

• Joining Fee: ₹1,000+GST ₹0 Introductory offer
• Introductory offer
• Get your Hello Cashback Credit Card for free without any joining fee
• Interest-free cash withdrawal for up to 45 days at a nominal fees of ₹199+GST
• Complimentary Roadside Assistance
• Get complimentary roadside assistance worth ₹1,399, up to 4 times a year.
• Personal Accident Cover
• Get personal accident cover of ₹2,00,000
• Lost card liability cover of ₹25,000
• Misplaced your card? Stay protected with lost card liability cover of ₹25,000 against unauthorised transactions.
• ₹0 (Introductory Offer)
• • Complimentary Roadside Assistance worth ₹1,399. Roadside assistance can be availed up to 4 times in a year.
• • Personal accident cover of ₹2,00,000
• • Lost card liability cover of ₹25,000
• 3. Earn interest on fixed deposit: Cardholders can continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.
• The Hello Cashback Credit Card comes with a Joining Fee of ₹0 ₹1000+GST (limited time offer).
• Offer valid till 31 st July 2026.
• Your credit limit gives you higher spending power and helps you make the most of your card benefits along with merchant offers all year long.

Welcome & milestones

Lounge access

No airport lounge rule is listed on this card's page.

Eligibility

Every fee line found on the page

• Joining Fee: ₹1,000+GST ₹0 Introductory offer
• Annual Fee: ₹1000 (waived on ₹2L of annual spends)
• Unlock up to ₹18,000 cashback annually
• NIL Joining Fee
• 1% Fuel Surcharge Waiver
• Fuel up and get 1% fuel surcharge waiver up to ₹100 per statement cycle.
• Get 1% Fuel Surcharge Waiver up to ₹100 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000
• Spend ₹2L or more - 100% Annual fee reversed​
• Spend between ₹1L - ₹2L – 50% Annual fee
• No, you will not earn Cashback on fuel transactions using the Hello Cashback Credit Card. However, you get 1% fuel surcharge waiver up to ₹100 in statement cycle.
• Hello Cashback Credit Card comes with spend based annual fee waiver. Annual fee for Hello Cashback Credit Card is ₹1000+GST.
• • Spend ₹2,00,000 or more in a year and get 100% annual fee reversed.
• • Spend ₹1,00,000 - ₹2,00,000 in a year and get 50% annual fee reversed.
• • 1% Fuel surcharge waiver up to ₹100
• The Hello Cashback Credit Card comes with a Joining Fee of ₹0 ₹1000+GST (limited time offer).
• The Hello Cashback Credit Card comes with the Annual fee (2nd year onwards) of ₹1000+GST.
• Spend ₹2,00,000 or more in a year and get 100% annual reversed.
• Spend ₹1,00,000 - ₹2,00,000 in a year and get 50% annual reversed.
• Spend ₹1,00,000 - ₹2,00,000 in a year and get 50% annual reversed