IDFC FIRST Bank
Hello Cashback Credit Card
Annual Fee
₹1,180₹1,000 + GSTBase Reward
1% cashback
Foreign Markup
3.5% + GST
Welcome Benefits
1,000 CashPoints on card setup
Product Highlights
- Earn up to 5% Cashback
- FD backed credit card
Category Rewards
Specialty
3% cashback online ≤₹10K/cycle
3%
Specialty
5% cashback online >₹10K/cycle
5%
Specialty
1% UPI cashback (via IDFC FIRST App)
1%
travel
+1% on hotel/flight bookings via IDFC FIRST App
1%
travel
+1% on hotel/flight bookings via IDFC FIRST App
1%
Fee Waiver
Waived on ₹1L annual spend
Merchant-Specific Rewards
Amazon
5% CashBack
Flipkart
5% CashBack
Reward Calculator
Earns ₹3,620/year (net)
Modest gain. Solid hold if you like the perks.
₹22K
across all your buckets
₹4.8K
direct cashback
₹4.8K
via direct credit
Effective rate
1.82%
Annual fee
₹1,180
Year 1 net
+₹3,620
Year 2+ net
+₹3,620
ongoing
Adjust your spend by reward bucket
5 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn up to 5% Cashback with merchants like Amazon and Flipkart.
Redemption
1 CashPoint = ₹1 against statement
Benefits & Features
Domestic: 4 complimentary visits per quarter via DreamFolks (Min ₹2L quarterly retail spend required) International: 2 per year via Priority Pass (Available from year 2 onwards) Full lounge access description
Pros & Cons
Pros
- 1,000 CashPoints on card setup
- 5% Cashback on select merchants
- Cashback on all spends
- No annual fee on spending ₹1L
Cons
- Annual fee of ₹1,000 + GST
- Limited to select merchants
- Limited to certain categories
- High interest rate
- Limited to ₹1L annual spend for fee waiver
Additional Info
Important note 1
Note 2
Max reward cap info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Waived on ₹1L annual spend