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How Can the Hello Cashback Credit Card Help You Save on Groceries?

Key Takeaways

The Hello Cashback Credit Card earns 3% cashback on online grocery spends up to ₹10,000 per statement cycle and 5% once you cross that threshold.
In-store grocery runs earn 1% cashback on every card swipe, with cashback working across all merchants.
All you need is a fixed deposit of ₹10,000 to get started. No income proof or credit history required.

06 Jul 2026 by Team FinFIRST

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Smart financial planning starts with your everyday expenses. For most households, grocery shopping is the largest and most consistent monthly outlay. Turning those unavoidable kitchen expenses into consistent savings is one of the easiest ways to stretch your budget further.

The IDFC FIRST Hello Cashback Credit Card is designed to reward you across every way you shop for groceries, whether you order online, use quick commerce apps, or prefer a physical store run.

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How does the Hello Cashback Credit Card earn cashback on groceries?

The card rewards your online and in-store grocery spending across three tiers.

3% cashback on online grocery spends

Earn 3% cashback on online spends up to ₹10,000 per statement cycle. This covers grocery orders on major e-commerce platforms and quick commerce apps.

5% cashback when you spend more online

Once your online spends cross ₹10,000 in a statement cycle, the cashback rate increases to 5% on additional incremental spends.

1% cashback on in-store card swipes

For physical grocery runs, swipe your Hello Cashback Credit Card at the store and earn 1% cashback on every transaction.

How much can you realistically save on groceries every month? 1% cashback on UPI spends

Pay for groceries via UPI using the IDFC FIRST Bank app and earn 1% cashback on every scan.

Monthly Household Expense	Monthly Spend	Cashback Rate	Cashback Earned
Primary online grocery staples	₹6,000	3%	₹180
Quick commerce deliveries	₹4,000	3%	₹120
End of month kitchen top-ups	₹2,000	5%	₹100
In-store grocery runs	₹3,000	1%	₹30
Total	₹15,000		₹430

Online cashback is capped at ₹1,000 per statement cycle. Total cashback across all categories is capped at ₹1,500 per statement cycle.

Why does the Hello Cashback Credit Card work well for grocery spending?

Easy to get

Getting this card is simple. A fixed deposit of ₹10,000 with IDFC FIRST Bank is all it takes.

Double your benefits with FD

Your fixed deposit keeps earning interest while your card earns cashback on daily spends. Your savings are not sitting idle

Shop anywhere

The cashback works across all online platforms, in-store card swipes, and UPI Scan and Pay transactions. No platform restrictions, no conditions on where you shop.

1% cashback on UPI spends

Pay for groceries via UPI using the IDFC FIRST Bank app and earn 1% cashback on every scan.

Start saving on every grocery run

If groceries are one of your biggest monthly expenses, the Hello Cashback Credit Card is one of the most straightforward ways to earn something back on every purchase. Apply for the IDFC FIRST Bank Hello Cashback Credit Card today and turn your everyday shopping into consistent savings.

Frequently Asked Questions

How does the 3% and 5% online grocery cashback structure work?

You earn 3% cashback on all online spends up to ₹10,000 in a statement cycle. Once your online spend crosses ₹10,000, any additional online purchases earn 5% cashback automatically.

Can I get cashback if I buy groceries from my local neighbourhood store?

Yes. The Hello Cashback Credit Card is RuPay-enabled and UPI-ready. You can link it to your preferred UPI app and make digital payments at local kirana stores, street vendors, and neighbourhood shops while earning 1% cashback.

Is there a maximum limit on the cashback I can earn each month?

Yes. Online cashback is capped at ₹1,000 per statement cycle. Total cashback across all categories, including online, in-store, and essentials, is capped at ₹1,500 per statement cycle.

Do I need a high salary or proof of income to get this card?

No. The Hello Cashback Credit Card is backed by a fixed deposit, so approval does not depend on your income or credit history. A minimum fixed deposit of ₹10,000 with IDFC FIRST Bank is all you need.

What is the minimum fixed deposit amount required?

You can get started with a minimum fixed deposit of ₹10,000. Your credit limit is set at 100% of your fixed deposit value.

Will my fixed deposit still earn interest while I use the card?

Yes. Your fixed deposit stays untouched and continues to earn interest throughout the card tenure. The cashback you earn on daily spends is entirely on top of that.

How is the cashback credited to my account?

Cashback is automatically credited to your account and adjusted against your statement. You do not need to redeem it manually. Flag for verification against card terms before publishing.

Are there any joining or annual fees?

The Hello Cashback Credit Card has no joining fee. An annual fee of ₹1,000 plus GST applies from the second year. You get 100% of the fee reversed if your annual spend is ₹2 lakh or more, and 50% reversed if your spend falls between ₹1 lakh and ₹2 lakh.

Does cashback apply to all grocery platforms?

Yes. The cashback applies across all online grocery platforms and quick commerce apps for online spends, and at any merchant that accepts card swipes for in-store purchases.

Does using this card help build my credit score?

Yes. Your monthly repayments are reported to credit bureaus, so consistent on-time payments help build or strengthen your credit profile over time, even on a secured card.

What is the total cashback cap on the Hello Cashback Credit Card?

Online cashback is capped at ₹1,000 per statement cycle. The total cashback across all categories is capped at ₹1,500 per statement cycle.

Do I need a credit history to apply?

No. The Hello Cashback Credit Card is FD-backed, so approval is straightforward. A minimum fixed deposit of ₹10,000 with IDFC FIRST Bank is all you need to get started.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.