IDFC FIRST Hello Cashback Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC First Bank
Network: RuPay | Tier: Entry
The IDFC FIRST Hello Cashback Credit Card is a cashback-focused RuPay credit card designed for online shoppers, UPI users, and everyday spenders. It offers up to 5% cashback on online spends, 1% cashback on UPI payments made through the IDFC FIRST Bank app, and additional travel cashback benefits, making it a strong option for first-time and value-conscious users.
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Why Choose the IDFC FIRST Hello Cashback Credit Card?
The IDFC FIRST Hello Cashback Credit Card is a Entry-tier RuPay credit card issued by IDFC First Bank, rated 4/5 by the Credit Card Hunt editorial team. It is best suited for Online shoppers, UPI users, beginners. With a reward rate of 3% cashback on online spends, 5% on incremental online spends, 1% on UPI and eligible spends and an annual fee of ₹1,000 + GST, it ranks among the popular Cashback cards in India in 2026.
New cardholders are welcomed with Joining fee waiver / introductory offer, which adds immediate value in the first year.
IDFC FIRST Hello Cashback Credit Card Fees & Charges
| Annual Fee | ₹1,000 + GST |
|---|---|
| Joining Fee | ₹0 (introductory offer) |
| Interest Rate | 0.71% to 3.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
IDFC FIRST Hello Cashback Credit Card Rewards & Benefits
| Reward Rate | 3% cashback on online spends, 5% on incremental online spends, 1% on UPI and eligible spends |
|---|---|
| Welcome Bonus | Joining fee waiver / introductory offer |
| Lounge Access | Not applicable / no lounge benefit mentioned |
| Best For | Online shoppers, UPI users, beginners |
Key Highlights of the IDFC FIRST Hello Cashback Credit Card
- Up to 5% cashback on online spends
- 1% cashback on UPI spends via IDFC FIRST Bank app
- 1% cashback on in-store and essential category spends
- Additional cashback on hotel and flight bookings via the IDFC FIRST app
- Introductory joining fee waiver available RuPay credit card with UPI support
- Cashback potential of up to ₹18,000 per year
- Fuel surcharge waiver benefit
IDFC FIRST Hello Cashback Credit Card Eligibility Criteria
- Age 18–80 years Indian resident
- Regular source of income
- Salaried or self-employed applicants
- Good credit profile improves approval chances FD-backed option available from ₹10,000 for eligible applicants
Minimum Income Required: Not mandatory; FD-backed card
Advantages of the IDFC FIRST Hello Cashback Credit Card
- Strong cashback on online shopping
- Earns cashback on UPI payments
- Good for first-time credit card users
- Useful rewards on everyday and utility-related spending
- Travel cashback through the IDFC FIRST app RuPay + UPI compatibility for wider payment convenience
- Annual fee waiver available on eligible yearly spends
Drawbacks of the IDFC FIRST Hello Cashback Credit Card
- Annual fee after the introductory period
- No complimentary airport lounge access
- Cashback structure is spend-threshold based Lower value for users with limited online spending
- Travel benefits are app-specific
- Premium lifestyle perks are limited
IDFC FIRST Hello Cashback Credit Card — Frequently Asked Questions
What is the annual fee of the IDFC FIRST Hello Cashback Credit Card?
The IDFC FIRST Hello Cashback Credit Card has an annual fee of ₹1,000 + GST and a joining fee of ₹0 (introductory offer). New cardholders receive Joining fee waiver / introductory offer as a welcome benefit, which helps offset the joining cost.
Does the IDFC FIRST Hello Cashback Credit Card offer airport lounge access?
Yes — the IDFC FIRST Hello Cashback Credit Card offers Not applicable / no lounge benefit mentioned.
Who is eligible for the IDFC FIRST Hello Cashback Credit Card?
The minimum income requirement is Not mandatory; FD-backed card. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IDFC FIRST Hello Cashback Credit Card?
The IDFC FIRST Hello Cashback Credit Card earns 3% cashback on online spends, 5% on incremental online spends, 1% on UPI and eligible spends. It is best suited for Online shoppers, UPI users, beginners.
Credit Cards Similar to the IDFC FIRST Hello Cashback Credit Card
If you are considering the IDFC FIRST Hello Cashback Credit Card, these cashback credit cards are worth comparing before you apply:
- ICICI Amazon Pay by ICICI Bank — rated 4.6/5, Nil (Lifetime Free) annual fee
- HDFC Millennia by HDFC Bank — rated 4.3/5, ₹1,000 + GST annual fee
- Axis Flipkart by Axis Bank — rated 4.3/5, ₹500 + GST annual fee
- IndianOil Citi by Axis Bank — rated 4.2/5, ₹500 + GST (waiver on ₹50K spend) annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- RuPay Credit Card on UPI — circulars and guidelines — National Payments Corporation of India (NPCI)
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Expert Rating: 4/5