IDFC First Hello Cashback Credit Card: Fees, Rewards & Benefits
Travel card
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The IDFC First Hello Cashback is a low-fee, FD-backed cashback card offering up to 5% on online spends (capped) and rich bundled insurance. The 1% base rate, monthly cap, lack of lounges and 3.5% forex markup mean it pays off mainly for online shoppers who can hit the Rs 2 lakh waiver.
Travel card
The Bottom Line
The IDFC First Hello Cashback is built for online shopper and fd-backed cardholder. With a ₹1,000 annual fee that is waived on ₹2,00,000 yearly spend, it offers 3% rewards on online and airport lounge access. It makes the most sense if your spending matches online shopper and fd-backed cardholder.
It earns a base reward rate of 1% and stacks best when your spending lines up with Online Shopper, FD-Backed Cardholder. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers with heavy online spending who can capture up to 5% cashback (within the 1,000-a-month cap) and clear the Rs 2 lakh fee waiver
Those wanting a secured card whose fixed deposit continues earning interest while providing the credit limit
Probably not for
SkipTravellers wanting lounge access, which the card does not provide
Those spending mostly on utilities, rent or insurance, which earn only the 1% base rate
Is It Worth It For You?
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Reward Rates
IDFC First Hello Cashback offers 1% basic reward rate.
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Welcome Offer
Fees & Charges
Eligibility
- FD-backed secured card; min FD of ₹10,000; no income proof or credit score required; age 18–80; annual fee ₹1,000 (waived on ₹2L spend).
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Transactions
- Excluded from cashback and from annual fee-waiver spend calculation.
Cash Advances / Cash Withdrawals
- Excluded from cashback and from annual fee-waiver spend calculation.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹1,000 annual fee. Apply on the IDFC First Bank website.
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