RuPay 📡 Contactless NFC
IDFC FIRST HELLO Cashback Credit Card
Joining FeeFREE
Annual Fee₹1,000
Forex Markup 3.5%
🎁 Key Features & Highlights
🎉
Joining & Activation Welcome Gift
Welcome cashback voucher worth ₹1,000 on spending ₹5,000 within 30 days of issuance
Get Up To 6% Cashback on Hotel and Flight
bookings via IDFC FIRST Bank app with 1% additional bonus cashback over the base online cashback rate
Earn 1% Cashback on UPI spends
via IDFC FIRST Bank app, capped at ₹1,500 per statement cycle
Get Up To 5% Cashback on Online Spends
with 3% on spends up to ₹10,000 and 5% on incremental spends above ₹10,000, capped at ₹1,000 per statement cycle
💰 Reward Structure & Point Valuation
1 Direct Cashback = ₹1 Standard Base Earning
1% cashback on all standard spends
Accelerated / Partner Rate
5% cashback on preferred online merchants
Points Validity:Never Expire
Redemption Fee: ₹0 (Free)
Redemption Modes: Statement Credit
🚫 No Reward Points / Cashback on:
Fuel Rent Wallet Loads Government/Tax EMI transactions
🛋️ Airport Lounge Access & Spend Criteria
✗ No Free Lounge Access🛫
Domestic Lounge VisitsNone
🌐
International Lounge VisitsNone
⚠️
Spend Criteria: No lounge access
⚡ Spend Milestones & Special Perks
Annual Fee Waiver ₹100,000/yr
Annual fee waived on spending ₹1,00,000 in a card anniversary year UPI Payments Support✓ Supported (RuPay)
1% cashback on eligible RuPay UPI merchant transactions Fuel Surcharge Waiver1% Surcharge Waived
1% (Capped at ₹200/mo) 📋 Eligibility Criteria
✓ Official CriteriaAge Limit18 - 80 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed
Official Bank Portal Application
Get the IDFC FIRST HELLO Cashback Credit Card
Annual Fee: ₹1,000/yr (Waivable)
Personalized Card Matcher
Still Confused About Your Best Match?
Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.
⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial
Ask CardGuru Now→Takes less than 15 seconds
🔍 Related Credit Card Collections
Frequently Asked Questions
No, IDFC FIRST HELLO Cashback Credit Card has a joining fee of ₹0 and an annual renewal fee of ₹1000 (plus applicable taxes).