IDFC FIRST Hello Cashback Credit Card
IDFC FIRST Bank
Free
Joining fee
₹1,000, waived at ₹2L spend
Annual fee
50% reversal on annual spend between Rs 1,00,000-2,00,000, or full waiver at Rs 2,00,000+ spend; joining fee currently waived via an introductory offer.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 600+
Estimated — not officially confirmed by the bank.
Age: 18–80
Secured/FD-backed card requiring a minimum fixed deposit of Rs 10,000; no credit score required; credit limit equals 100% of the linked FD amount
Lounge access
0 domestic / 0 international visits per year
Reward details
1% cashback on offline and essential categories
- 3% cashback on Online purchases up to Rs 10,000/month
- Up to 5% cashback on Online purchases exceeding Rs 10,000/month — Rs 1,000/month online cashback cap
- Additional 1% bonus on Travel bookings via the bank's own app
Redemption
Caps: Rs 1,000/month online cashback cap; Rs 1,500/month overall cap
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Appeals to frequent online shoppers; achievable fee waiver thresholds; comprehensive cashback coverage including categories usually excluded elsewhere — Paisabazaar
Complaints
- Monthly cashback capping limits overall reward potential — Paisabazaar
- UPI cashback restricted to the bank's own app, excluding third-party payment platforms — Paisabazaar
Sources
- Official — JS-rendered page did not return fee/benefit content
- Aggregator — fees, eligibility, rewards, sentiment