IDFC FIRST Bank · Scored card guide

IDFC FIRST Hello Cashback

3% eligible online to ₹10k, 5% incremental; ₹1,500 total cap. FD-backed card.

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How this estimate works

FD-backed card. Eligible online retail spending earns 3% on the first ₹10,000 per statement cycle and 5% on the incremental amount, with a ₹1,000 cap on online cashback. In-store card-swipe earns 1%. All cashback together is capped at ₹1,500 per statement cycle. Essential-category spends, including utilities, rent, jewellery, wallet loads, insurance, education, gift cards, government, FASTag and railways, earn 1% but do not advance the online ₹10,000 threshold; generic Utilities/Tata inputs are not scored because MCC and route are unknown. No cashback on fuel, EMI, ATM cash withdrawals or UPI through other apps. FD-backed credit limit caps reward-eligible spend in a cycle even if repaid. Cashback reaches the card account only after on-time payment of Minimum Amount Due; pay in full to avoid interest. Annual fee is ₹1,000+GST from year two, reversed fully at ₹2 lakh qualifying annual spends or half at ₹1-2 lakh. This recurring/second-year model deducts the full fee and does not assume a waiver. Issuer page still displays a ₹0 joining introductory offer whose FAQ states expiry on 31 August 2026; the regular ₹1,000+GST joining fee is not included in the recurring/second-year net model and must be checked at application. FD capital cost, bank-app UPI and travel bonus are omitted.

Year-two/recurring fee model. The joining-fee offer and the annual-fee waiver have separate rules; check the fee offered to you before applying. The shown spend is assumed to be the only qualifying spend in a statement cycle with sufficient FD-backed credit limit.

Issuer sources

https://www.idfcfirst.bank.in/credit-card/hello-cashback-credit-card

Checked 28 Sep 2026. Terms can change.

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