Meet the Hello Cashback Credit Card

The eligibility criteria for the Hello Cashback Credit Card are:   

• No documentation required.

• Age Limit Criteria: 18 to 80 years

• The applicant must qualify as an Indian resident citizen with a current and permanent residential address in India

• The applicant is required to create and maintain a minimum fixed deposit of ₹10,000.

Note: The Bank reserves the right to issue a Credit Card to the applicant based on an assessment of his/her credentials. The final decision is at the Bank’s sole discretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting above Credit Card criteria.

No, you do not need any credit history or income proof to apply for the Hello Cashback Credit Card. In fact, its other way around and this card enables to build and support your credit score, helping you create a strong financial foundation for the future.

The credit limit for your Hello Cashback Credit Card will be minimum 100% of your fixed deposit amount.

With Hello Cashback Credit Card you get up to 5% Cashback on online spends and 1% Cashback on UPI spends done through the IDFC FIRST Bank app, in-store card swipe, and essential categories like utility, insurance, education, etc. 

With Hello Cashback Credit Card, you enjoy:

• 3% Cashback* on online spends up to ₹10,000.

• 5% Cashback* on incremental online spends above ₹10,000. 

• 1% Cashback* on UPI spends done via IDFC FIRST Bank App.

• 1% Cashback* on in-store card swipe.

• 1% Cashback* on essential categories (Utility, Rent, Jewellery, Wallet load, Insurance, Education, Gift Card, Government Services, FASTag, and Railway). 

• Bonus 1% Cashback on hotel & flight booking done via IDFC FIRST Bank App.

*Cashback on online spends capped at ₹1,000 in a statement cycle. Total Cashback capped at ₹1,500 in a statement cycle.

Online spends done on essential categories and fuel even if done using online channel will not count towards the ₹10,000 online spends milestone. Also, note that this milestone is for online spends only and spends through any other channel like in-store purchases, UPI or any other mode will also not count towards ₹10,000 milestone. 

All spends qualify for Cashback except – fuel, ATM Cash withdrawals, EMI, UPI transactions done through other UPI apps (GPay, PhonePe, Paytm, etc.)

You can earn Cashback by using the Credit Card for UPI, Online, In-store Card swipe transactions.

Maximum Cashback that can be earned on online spends is ₹1,000 in a statement cycle. Total Cashback that can be earned is ₹1,500 in a statement cycle.

Cashback will be posted in Card Account only when the Minimum Amount Due (MAD) has been realised on or before the Payment Due Date (PDD).

Fuel, ATM Cash withdrawals, EMI, UPI transactions done via other UPI apps (GPay, PhonePe, Paytm, etc.) are excluded from Cashback benefits.

All online spends except spends done on essential categories and fuel even if done using online channel will not count towards the ₹10,000 online spends milestone. Also, note that this milestone is for online spends only and spends through any other channel like in-store purchases, UPI or any other mode will also not count towards ₹10,000 milestone.

Bonus Cashback refers to Cashback earned over and above the base earn. You can earn Bonus 1% Cashback on hotel & flight bookings done through IDFC FIRST Bank app.

Since the travel bookings through IDFC FIRST Bank app is done using online mode, the base cashback rate would be 3% (for online spends up to INR 10,000) or 5% (for incremental online spends above INR 10,000). Hence, total cashback rate including bonus and base rate will be 4% (for online spends up to INR 10,000) or 6% (for incremental online spends above INR 10,000).

Total Cashback that can be earned in a statement cycle is ₹1,500.

If you cancel, reverse, or return your purchase, your Cashback earned on that purchase will be reversed. Reversals for such transactions will be adjusted/deducted from your monthly statement.

For instance: A UPI transaction of ₹10,000 through the IDFC FIRST Bank app made on 21^st April 2026 would qualify for a cashback of 1%, or ₹100, assuming the statement was generated on 1^st May 2026. Let’s say you returned the item on 2^nd May 2026. The cashback of ₹100 will be reversed due to the return and will be adjusted/debited in your statement.

No, you will not earn Cashback on fuel transactions using the Hello Cashback Credit Card. However,  you get 1% fuel surcharge waiver up to ₹100 in statement cycle.

The Cashback earned can be viewed in monthly Credit Card statement and will be adjusted in statement’s outstanding balance.

Cashback earned will be credited to Card account one day after payment due date, provided the Minimum Amount Due is paid for the statement cycle on or before the payment due date.

The Cashback you earn is credited to your IDFC FIRST Bank Credit Card account one day after Payment due date* (PDD) and will be adjusted against outstanding balance of your next statement.

* Cashback will be posted in Credit Card Account only when Cardholder has paid the Minimum Amount Due (MAD) on or before Payment Due Date (PDD).

Your Cashback does not expire. Cashback will be posted in your card account on realisation on Minimum Amount Due (MAD) on or before Payment Due Date (PDD). The Cashback earned will be adjusted against the outstanding balance.

However, Cashback will be forfeited for a statement cycle if the Minimum amount due (MAD) is not paid by the Payment Due Date (PDD). 

Hello Cashback Credit Card comes with spend based annual fee waiver. Annual fee for Hello Cashback Credit Card is ₹1000+GST. 

• Spend ₹2,00,000 or more in a year and get 100% annual fee reversed.

• Spend ₹1,00,000 - ₹2,00,000 in a year and get 50% annual fee reversed.

Annual spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, Balance Transfer, fees and charges) net of reversals/refunds.

Yes, Hello Cashback Credit Card comes with a range of privileges other than Cashback.

• 1% Fuel surcharge waiver up to ₹100 

• Complimentary Roadside Assistance worth ₹1,399. Roadside assistance can be availed up to 4 times in a year.

• Personal accident cover of ₹2,00,000

• Lost card liability cover of ₹25,000

• Credit Shield - INR 50,000

• Purchase Protection - INR 25,000 

For more details and terms of the privileges, please click here

Here are the benefits of a credit card backed by an FD:

1. No income proof required:  Customers can obtain a credit card without providing any income proof. Besides working professionals, this is useful for homemakers, students, and freelancers.

2. Helps build credit history: Using your credit card regularly and paying off the outstanding dues on time will help create a good credit history and credit score.

3.  Earn interest on fixed deposit: Cardholders can continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.

4. Double up benefits on FD – With Hello Cashback Credit Card, your FD earns in two ways – interest on FD + Cashback on card spends.

Fixed deposits opened for Hello Cashback Credit Card shall be singly held and shall be for a minimum period of 1 year 2 days and shall be on auto renewal, reinvest mode unless terminated and cancelled. A lien will be marked on the entire amount of the FD. 

The Fixed Deposits opened/placed by HUFs, Partnership firms/society/trust, minors or opened jointly by applicant/s, Tax Saver, or Flexi-Deposits (Auto-sweep Fixed Deposits) are not eligible for the Hello Cashback Credit Card.

The Hello Cashback Credit Card is issued against a Fixed Deposit. Hence, to set your credit limit, you need to create an FD. Upon successful creation of your FD, a lien will be marked on 100% of the FD value.

Once done, your FD will be linked to your Hello Cashback Credit Card and your credit limit will be set.

UPI on credit cards is a feature that allows you to link your credit card with the UPI (Unified Payments Interface) system. It enables seamless and secure payments directly from your credit card using UPI apps like Google Pay, PhonePe, and Paytm. As a result, you enjoy both the convenience of UPI payments and the benefits of a credit card.

Your Hello Cashback Credit Card is UPI enabled and auto linked to IDFC FIRST Bank App. All you have to do is Scan any merchant QR and pay and earn 1% Cashback on UPI payment done through the App.

Scan and earn 1% Cashback on UPI payments done through IDFC FIRST Bank App. Hello Cashback credit card is UPI enabled and auto-linked in the IDFC FIRST Bank app.

To link your card to other UPI apps complete UPI app registration journey with registered mobile number and follow these simple steps to enable your Hello Cashback Credit Card for payments:

1.  Open UPI app and choose Add RuPay Credit Card

2. Select IDFC FIRST Bank and your eligible cards will be displayed

3. Select Hello Cashback Credit Card, enter the last 6 digits of your card, card expiry and OTP to complete your registration.

No, it is not.

UPI PIN:

For IDFC FIRST Bank app:

You do not need to generate a new UPI PIN. Your UPI PIN is same as the MPIN.

For other UPI apps like GPay, PhonePe, etc.:

You need to generate a new UPI PIN to perform UPI payments through other UPI apps.

To generate a UPI PIN on any UPI app, follow these steps:

On your UPI app profile> Add RuPay Credit Card on UPI > Select IDFC FIRST Bank and your eligible cards will be displayed > Enter the last 6 digits of your card, card expiry and OTP and register > Set 4-digit UPI PIN > Confirm 4-digit UPI PIN.

Credit Card PIN:

To generate/change your Credit Card PIN, follow these steps:

Open your IDFC FIRST Mobile App> Credit Cards> Quick actions > Set new PIN> Confirm your 4-Digit-Credit Card PIN

Note: As a user, it is your choice whether you wish to keep the Credit Card PIN and UPI PIN the same or not.

UPI payments are now available to IDFC FIRST Bank Credit Card users. While not every merchant has a point-of-sale machine, almost every store in India has a QR code for UPI payments. With a UPI-enabled IDFC FIRST Bank Credit Card, you can use your card to pay via across both physical and online stores.

You can link your Hello Cashback Credit Card on all UPI apps such as BHIM, PhonePe, PayTm, GPay, Freecharge, Slice, CRED, and Mobikwik. 

Enjoy 1% Cashback on UPI spends done through IDFC FIRST Bank App.

Yes, the restricted categories include digital account openings, lending platforms, cash withdrawals at merchants or ATMs, e-RUPI, IPOs, Foreign Inward Remittances, Mutual Funds, and any others specified by the National Payment Corporation of India (NPCI).

For more details on RuPay Credit card on UPI refer NPCI website.

The Hello Cashback Credit Card comes with a Joining Fee of ₹0 ₹1000+GST (limited time offer).
Offer valid till 31^st March 2026.

The Hello Cashback Credit Card comes with the Annual fee (2nd year onwards) of ₹1000+GST.

Spend ₹2,00,000 or more in a year and get 100% annual reversed.

Spend ₹1,00,000 - ₹2,00,000 in a year and get 50% annual reversed.

Please note - Annual spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, fees and charges) net of reversals/refunds.

Spend ₹2,00,000 or more in a year and get 100% annual reversed.

Spend ₹1,00,000 - ₹2,00,000 in a year and get 50% annual reversed

Please note - Annual spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMI, Balance transfer, fees and charges) net of reversals/refunds.

Annual spends milestone includes all the purchases (excluding ATM Cash withdrawal, monthly EMIs, Balance Transfer, fees and charges) net of reversals/refunds.