Cashback
IDFC FIRST Hello Cashback Credit Card
A RuPay cashback card: 3% on online spends (5% above ₹10,000 a cycle), 1% on UPI through the IDFC FIRST app and in-store, and 0% forex markup.
Joining feeNil (offer)
Annual fee₹1,000 + GST
Fee waiverHalf on ₹1 lakh, full on ₹2 lakh
Top reward3% to 5% online
LoungeNone
Forex markup0%
Best for: Online shoppers spending ₹10,000 to ₹25,000 a month who want simple cashback.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Online spends up to ₹10,000 a cycle | 3% cashback | ₹1,000 a cycle online |
| Online spends above ₹10,000 a cycle | 5% cashback | Shared ₹1,000 online |
| UPI through the IDFC FIRST app, in-store, rent, bills, insurance, FASTag | 1% cashback | ₹1,500 a cycle in total |
| UPI through other apps, fuel, cash, EMI | Nothing | – |
- Hotels and flights booked in the IDFC FIRST app get 1% extra.
Benefits
Welcome benefit
- Joining fee waived as an introductory offer.
Milestones
- Half the annual fee back on ₹1 lakh spend; all of it on ₹2 lakh.
Travel and lounges
- No lounge access.
Fuel and forex
- 0% forex markup.
- 1% fuel surcharge waiver on ₹200 to ₹5,000, up to ₹100 a cycle.
Other perks
- Roadside assistance up to 4 times a year
- Personal accident cover of ₹2 lakh
Fees and charges
| Joining fee | Nil (introductory offer; list price ₹1,000 + GST) |
|---|---|
| Annual fee | ₹1,000 + GST, waived on ₹2 lakh yearly spend |
| Forex markup | 0% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18 to 80
- Can be issued against a fixed deposit, with no income proof needed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- High online cashback
- 0% forex markup
- Works on UPI
Watch out for
- ₹1,000 monthly cap online
- UPI cashback only in the IDFC FIRST app
- Annual fee
Recent changes
- Sep 2026Forex markup cut to 0% across IDFC FIRST cards.
Frequently asked questions
Does Hello Cashback work on Google Pay?
It works, but UPI cashback is only paid when you use the IDFC FIRST app.
Ready to apply for the IDFC FIRST Hello Cashback Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: CardExpress. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.