Hello Cashback Credit Card

The IDFC FIRST Bank Hello Cashback Credit Card is an FD-backed assured credit card designed to make everyday spending rewarding for everyone. Backed by a fixed deposit starting at just ₹10,000, the card requires no income proof or credit history, making it an ideal choice for first-time cardholders, students, homemakers, and anyone looking to build a strong credit foundation. With a credit limit equal to 100% of the FD value, cardholders continue earning interest on their deposit while enjoying cashback on every purchase. The card delivers powerful cashback across multiple spend categories: 5% on incremental online spends above ₹10,000, 3% on online spends up to ₹10,000, and 1% on UPI payments made via the IDFC FIRST Bank app, in-store swipes, and essential categories like rent, utilities, and education. Travel enthusiasts earn an additional 1% cashback on hotel and flight bookings through the Bank app, bringing total travel cashback to up to 6%. Monthly cashback is capped at ₹1,500 per statement cycle, unlocking up to ₹18,000 annually. Beyond cashback, the card offers a 1% fuel surcharge waiver, complimentary roadside assistance up to four times a year, personal accident cover of ₹2,00,000, and lost card liability cover of ₹25,000. As a RuPay card, it is UPI-ready and auto-linked to the IDFC FIRST Bank app for seamless scan-and-pay experiences across merchants nationwide.