IDFC First Bank Hello Cashback Credit Card
The Hello Cashback credit card offered by the IDFC First Bank is an entry-level credit card designed for individuals who wish to earn cashback on everyday spending and also build their credit score. This is an FD-backed credit card and offers various cashbacks on online transactions, UPI payments, along with additional travel rewards.
With Hello Cashback credit card, you get a credit limit against your fixed deposit without needing income proof or a prior credit history. Due to its FD-backed structure and cashback benefits, this card is an ideal choice for first time users, students, or freelancers.
Features and Benefits of Hello Cashback Credit Card:
The features and benefits of Hello Cashback credit card are as follows:
Cashback Benefits:
- With this credit card, you earn attractive cashback on online purchases, 3% cashback on online spending up to Rs.10,000 in a statement cycle, and 5% cashback on incremental online spending above Rs.10,000.
- You also earn an additional cashback of 1% on hotel and flight bookings via the IDFC First Bank app.
- Moreover, you earn 1% cashback on UPI payments made through the IDFC FIRST Bank mobile app, in-store card swipe transactions for essential categories such as utilities, education, insurance, FASTag and government payments.
FD-backed Credit Card:
- This is an FD-backed credit card, and you get a credit limit equal to 100% of your FD value.
- The minimum fixed deposit requirement for this credit card is Rs.10,000, and you can link multiple FDs to increase the credit limit of this card.
Interest-free Withdrawals:
- This card allows ATM cash withdrawals globally with interest-free credit for up to 45 days.
- Do note that a small withdrawal fee of Rs.199 + GST applies per transaction.
Fuel Surcharge Waiver:
- You get 1% fuel surcharge waiver on fuel transactions ranging between Rs.200 to Rs.5000, with a capping of Rs.100 per statement cycle.
Roadside Assistance:
- You get the benefit of complimentary roadside assistance services worth Rs.1,399 with this card.
- This comes handy during vehicle breakdowns or in case of emergencies.
- You can avail this benefit up to four times in a year.
Other Lifestyle Benefits:
- You also get access to various discounts and offers across more than 300 partner brands.
- This includes travel, shopping, dining, and lifestyle categories.
Comprehensive Insurance Coverage:
- You get the benefit of personal accident cover of Rs.2 lakhs, offering financial protection in case of unexpected events.
Lost Card Liability Cover:
- This card also offers lost card liability cover of Rs.25,000 against unauthorised transactions in case your credit card is lost or stolen.
Eligibility Criteria to Apply for Hello Cashback Credit Card:
The eligibility criteria to apply for Hello Cashback credit card are as follows:
- You should have an FD of minimum Rs.10,000 with IDFC First Bank.
- You should be at least 18 years old up to 80 years.
- There is no credit score requirement.
Fees and Charges for Hello Cashback Credit Card
The fees and charges for Hello Cashback credit card are as mentioned in the table below:
Type of Fee | Amount |
Joining fee | Nil (Introductory Offer) |
Annual fee | Rs.1,000 plus taxes 100% fee waived off on spending Rs.2 lakh on above 50% fee waived off on spending between Rs.1 lakh to Rs.2 lakhs |
Minimum FD Requirement | Rs.10,000 |
Cash Withdrawal Charges | Rs.199 plus taxes |
Late payment charges | 15% of the total amount due (Minimum Rs. 100 up to Maximum Rs. 1,300) |
Finance Charges | 0.71% to 3.99% per month |
Customer Care:
You can reach the IDFC First Bank customer care on following number in case of any queries related to Hello Cashback credit card:
Domestic Helpline Number:
- 1800 10 888
WhatsApp Number:
- 9555 555 555
FAQs on IDFC First Bank Hello Cashback Credit Card
- Does the IDFC First Bank Hello credit card offer any complimentary lounge benefits?
No, the IDFC First Bank Hello credit card does not offer any complimentary lounge benefits.
- Does the IDFC First Bank Hello credit card offer any fuel surcharge waiver benefit?
Yes, you get 1% fuel surcharge waiver with IDFC First Bank Hello credit card up to Rs.100 in a statement cycle, on transactions ranging between Rs.200 to Rs.5,000.
- How much is the joining fee for IDFC First Bank Hello credit card?
As a part of the introductory offer, the joining fee for IDFC First Bank Hello credit card is zero.
- How much is lost card liability cover offered with IDFC First Bank Hello credit card?
You get a lost card liability cover worth Rs.25,000 with IDFC First Bank Hello credit card.
- Will I be charged a cash withdrawal fee for withdrawing cash using IDFC First Bank Hello credit card?
Yes, you will be charged a cash withdrawal fee of Rs.199 plus taxes for withdrawing cash using IDFC First Bank Hello credit card.
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