IDFC FIRST Hello Cashback Credit Card
by IDFC FIRST Bank · Data verified 4 days ago
FD-backed RuPay card with 0% forex markup, up to 5% online cashback, and 1% UPI cashback with guaranteed approval.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Zero (0%) foreign transaction markup fee — rare and outstanding on an FD-backed card
- High cashback structure: 3% on online spends up to ₹10k and 5% on spends above ₹10k
- Instant 100% approval against FD starting from ₹10,000 with no income documents or CIBIL check
- RuPay network integration allows earning 1% cashback on UPI transactions
- Direct automatic cashback adjustment against statement balance without redemption fees
Things to Consider
- Annual fee of ₹1,000 + GST with a relatively high ₹2 Lakh spend threshold for full waiver
- Overall cashback capped at ₹1,500 per statement cycle
- No complimentary domestic or international airport lounge access
- Minimum Fixed Deposit requirement of ₹10,000
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Fuel Savings
₹200/mo
Lost Card Cover
₹50,000
Dining
- •Up to 20% discount across 1,500+ restaurants nationwide via bank dining program
Shopping
- •3% to 5% cashback on online shopping transactions automatically adjusted against statement
- •Monthly cashback cap of ₹1,500 per statement cycle
Travel
- •Zero (0%) foreign exchange markup fee for all international online and point-of-sale transactions
- •1% bonus cashback on flight and hotel bookings made via IDFC FIRST Bank mobile app
Special Offers & Features
- •Guaranteed 100% approval against Fixed Deposit of ₹10,000 or above without credit checks
Card Features
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC FIRST Hello Cashback Credit Card
10X Reward Points on Dining, Travel & International — No Minimum Spend Required
IDFC First Millennia cardholders now earn 10X Reward Points on Dining, Travel, and International transactions from the very first transaction — the previous ₹20,000 minimum monthly spend requirement has been removed. Effective June 18, 2026.
Effective June 18, 2026. 10X reward points on Dining, Travel, and International purchases from first transaction. 3X on other retail spends. 1X on insurance, utilities, railways, FASTag. No reward points on fuel, EMI, or cash withdrawals. Dining and Travel identified via MCC codes.
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC FIRST Hello Cashback Credit Card
- • Min age: 18 years
- • Salaried: As per bank eligibility guidelines
- • Self-employed: As per bank eligibility guidelines
- • CIBIL: 700+ recommended
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC FIRST Hello Cashback Credit Card today and unlock amazing rewards and premium experiences.
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