M16S / IDFC First Bank / IDFC Hello Cashback Credit Card
entry · cashback, secured, upi
IDFC Hello Cashback Credit Card
The IDFC Hello Cashback Credit Card costs Rs 1,000 a year, waived if you spend Rs 2,00,000 in a year. Its base return is 1%. The forex markup is 0%. It lists no airport lounge access. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 1,000+ GST
- Fee waived at
- Rs 2,00,000annual spend
- Base return
- 1%
- Forex markup
- 0%
- Interest
- —
Apply on idfcfirst.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 1,000 |
|---|---|
| Annual fee | Rs 1,000 |
| Annual spend that waives the fee | Rs 2,00,000 |
| Fee notes | Joining Rs 1,000 + GST, shown as Rs 0 under a limited offer valid to 31 Oct 2026. Annual Rs 1,000 + GST from year 2: fully reversed on Rs 2 lakh annual spend, 50% reversed on Rs 1-2 lakh. |
Rewards
| Welcome benefit | None beyond the joining-fee offer |
|---|---|
| Reward currency | Cashback |
| Base earn | 1% on in-store swipes, UPI via the IDFC FIRST app, and essentials (utility, rent, jewellery, wallet load, insurance, education, gift cards, government, FASTag, railway) |
| Base return | 1% |
| Point value | Cashback in rupees, adjusted against the next statement |
| Accelerated earn | 3% on online spends up to Rs 10,000 per cycle; 5% on incremental online spends above Rs 10,000; extra 1% on hotels and flights booked in the bank app |
| Caps | Online cashback Rs 1,000 per statement cycle; total cashback Rs 1,500 per cycle (Rs 18,000 a year). Online essentials and online fuel do not count towards the Rs 10,000 threshold. |
| Spends that earn nothing | Fuel, cash withdrawals, EMIs, UPI payments made through other apps |
| Points expiry | Does not expire |
| Reward notes | Cashback is credited a day after the due date, only if the minimum amount due was paid on time; otherwise that cycle's cashback is forfeited. base_return_pct = 1% base rate. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 0% |
| Fuel surcharge waiver | 1% on Rs 200-5,000 txns, cap Rs 100 per statement cycle |
| Other freebies | Roadside assistance worth Rs 1,399; personal accident cover Rs 2 lakh; lost card liability Rs 25,000 |
Charges and eligibility
| Late payment feeunverified | 15% of total amount due, min Rs 100, max Rs 1,300 |
|---|---|
| Cash advance fee | Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal |
| Eligibility | FD-backed route: age 18-80, Indian resident, FD of Rs 10,000 or more, limit 100% of FD, no income proof. Also issued unsecured. |
| Fine-print notes | At the Rs 1,000 online cap, 5% only applies to a narrow band: Rs 300 comes from the first Rs 10,000, leaving Rs 700, i.e. Rs 14,000 more online spend. Zero forex markup. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550. |
Questions
- What is the annual fee of the IDFC Hello Cashback Credit Card?
- Rs 1,000 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
- Does the IDFC Hello Cashback Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the IDFC Hello Cashback Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IDFC Hello Cashback Credit Card?
- Fuel, cash withdrawals, EMIs, UPI payments made through other apps