IDFC FIRST Hello Cashback Credit Card

IDFC FIRST Bank · ₹1,000 a year · fee waived on ₹2,00,000 of annual spend

A strong cashback card that also pays on UPI and rent.

Base rate: 1% cashback.

What the bank says

• 3% cashback online on your first ₹10,000 a month, 5% above that, up to ₹1,000 a month
• 1% cashback in stores, on rent, bills and education, and on UPI through the IDFC FIRST app
• Total cashback up to ₹1,500 a month
• Zero foreign currency markup

Where it pays more

• 3% on online spends, up to ₹1,000 a month

Things that catch people out

• We count 3% on all online spending. Above ₹10,000 a month online it is 5%, still within the ₹1,000 cap.
• Total cashback is capped at ₹1,500 a month.
• UPI earns only when paid through the IDFC FIRST Bank app. No cashback on fuel or EMI.
• The joining fee is waived as an introductory offer.

Joining fee: ₹0. Foreign currency markup: 0%.

Read from IDFC FIRST Bank’s own page on 2026-09-16.

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